Warren Buffett has two rules. Rule one, never lose money. Rule two, never forget rule one. Most people hear that and nod. Almost nobody understands what it actually costs to break rule one. Here is the math nobody shows you. If you lose 30 percent in the market, you do not need 30 percent to get back. You need 43 percent. If you lose 50 percent, you need 100 percent. You have to double your money just to get back to even. And while you are climbing back, you are not making money. You are recovering. Those are different things. That is the part that quietly eats a retirement. Not the crash. The recovery years you spent going nowhere. Now watch what happens when you simply refuse to lose. Two business owners, $100,000 each, same three years. Owner A is in the market. Year one down 20 percent, so $80,000. Year two up 15 percent, so $92,000. Year three up 10 percent, so $101,200. Three years. Two good years. He made $1,200. Owner B has a 0 percent floor and a cap around 10 percent. Year one the market drops. He gets zero. Still $100,000. Year two up 15, he is capped at 10, so $110,000. Year three up 10, so $121,000. Same market. Same three years. $1,200 versus $21,000. Owner B never had a great year. He just never had a bad one. That is the whole secret. You do not need to beat the market. You need to stop giving pieces of it back. A 0 percent floor means when the index goes negative, you get credited zero. Not a small loss. Zero. You never participate in the crash. The tradeoff is honest. You give up the monster years. There is a cap. If the index does 25, you might get 10 or 12. There are policy costs and the caps can change. This is not a market account and it is not free. But ask any retiree who was three years from retiring in 2008 or during COVID which one he or she would rather have had. Banks hold over 200 billion dollars of this on their own balance sheets. They are not chasing home runs with their reserves. They are protecting the floor. Comment FLOOR and I will send you a guide explaining this and the power of IUL and whole life policies.

Most people think becoming your own bank means you need millions of dollars. You don't. Let's use a simple client example. Imagine a client has built $100,000 of cash value inside a properly designed life insurance policy. (What millionaires and billionaires do) Then they need $30,000. Maybe it's for a car. A down payment. Business equipment. A real estate deal. Or just an opportunity they don't want to miss. They have two choices. CHOICE #1: Take $30,000 out of their savings. They get the $30,000. But now they only have $70,000 left working for them. CHOICE #2: Borrow $30,000 against their policy. Instead of simply withdrawing the cash value, the insurance company lends them money with their policy serving as collateral. Now they have their $30,000 to use. But they didn't have to liquidate $30,000 of the asset they spent years building. 🔥 THIS IS THE PART MOST PEOPLE HAVE NEVER BEEN TAUGHT. Depending on the policy and loan type, cash value securing the loan may continue receiving interest credits. Let's use simple hypothetical numbers. Imagine the loan costs 5%. That's $1,500 of annual loan interest on $30,000. Now imagine the policy receives a 7% credit that year and the borrowed portion is eligible for that crediting treatment. 7% of $30,000 = $2,100 5% of $30,000 = $1,500 Difference = $600 That doesn't mean you magically made a guaranteed $600. Some years the policy could credit less. It could credit 0%. Loan rates can change. And the exact mechanics depend on the policy. But that's not even the biggest lesson. The biggest lesson is that you didn't have to pull $30,000 out of the asset to get access to $30,000. That's where the idea of "becoming your own bank" comes from. Think about what a bank does. Here is the thing, if you are 50 and pulling from a 401k, you would pay a 10% penalty tax plus whatever your current tax rate is, that could be 30%+, so on 30k you give almost 10k away and then lose the opportunity to earn interest on that 10k.

Hey everyone, important announcement. This Tuesday will be my LAST live Infinite Funding Blueprint webinar. And after this webinar, pricing is doubling. Here’s why...so it makes sense. Every time I run one of these trainings, we’ll have 100–200 people jump on. Instead of my team having to book 100–200 individual calls and explain our entire funding process one person at a time... I can spend 2 hours teaching everyone at once. That efficiency is what allowed us to offer Infinite Funding Blueprint at such a MASSIVE discount. But running MULTIPLE 2-hour webinars every week, bringing energy, teaching, answering questions, and then doing it all over again is exhausting 😂 So we’re simplifying. Moving forward, our focus will be on community onboarding and helping our existing members execute. That means the current Infinite Funding Blueprint pricing is going away. And if you've been sitting on the fence... Tuesday is your last chance to get in before the price doubles. Look at just a few of our recent funding wins in last 2 weeks: 💰 $164,000 💰 $133,000 💰 $118,000 With traditional Done-For-You funding, approvals like these could mean paying $10K–$16K+ in performance fees. With IFB, you learn how to build and execute the strategy yourself for a fraction of that cost (5x less). You’ll learn: ✅ How to optimize your funding profile ✅ How to build your business credit card stack ✅ Which banks to target and in what order ✅ How to position yourself for $100K–$200K+ in funding every 6 months ✅ The same strategies and data points our team uses every day If you've been thinking about getting funding... Do NOT miss this final webinar. Come learn how the process works and how we may be able to help you do it for roughly a fraction of traditional funding fees. 📅 FINAL LIVE WEBINAR: TUESDAY Register here: https://go.fundrapp.com/registration After Tuesday, this pricing is gone.

JPMorgan owns $12.8 billion in life insurance. Bank of America owns $25 billion. They are not buying it for the death benefit. Banks are the largest institutional buyers of permanent life insurance in the country. The total? Over $200 billion. It is called BOLI. Bank-Owned Life Insurance. And they buy it for the same reasons you should. Tax-free growth. Tax-free access to cash value. And a guaranteed death benefit that offsets the cost of employee benefits. Let that sink in. The most sophisticated financial institutions on the planet looked at every asset class available. Stocks, bonds, real estate, treasuries, hedge funds. And they put $200 billion into life insurance. Not because they had to. Because the math works. Life insurance cash value grows tax-deferred. Policy loans come out tax-free. And the death benefit passes tax-free to the beneficiary. No other asset class does all three. Banks figured this out decades ago. They have entire departments dedicated to managing their life insurance portfolios. But when you walk into that same bank and ask for financial advice, they will tell you to open a savings account at 0.5% interest and max out your 401(k). ( I recommend the employer match) They will never mention what they are doing with their own money. The top 20 banks in the U.S. all own BOLI. This is not a fringe strategy. It is the most battle-tested financial tool in corporate America. And it is available to you as a business owner. The same mechanics. The same tax advantages. The same compounding. If the smartest financial minds in the world are using permanent life insurance as a core asset, maybe it is worth 15 minutes of your time to understand why. This is not about selling you a policy. It is about showing you what the banks already know. Comment "PROOF" below for a guide on how everyday people are using the same strategy as the banks. Or book a free strategy session at familybankingvault.com

One of my prospects has had a $2,500 ploc for over 4 years, I was advising them to ask for an increase while 20% is being utilized. Should he pull the trigger or wait til the utilization is paid off?