I have officially made it to the cool kids club. I paid my first ever premium two days ago, and now I fully get to start down the path of infinite banking. Glad that I had my eyes opened about this wonderful opportunity as well as finding such a good group to be on the journey with.

I received my loan interest statement for the year. I owe $429.90. I have never actually paid this.... I usually just let them roll it into my CV and then just pay down the debt. But this year I might actually pay the interest up front. Does anyone know how to pay the interest on the Lafayette policy? I haven't found a box for it in the online portal.

Hi all, Long time listener, first time writer. Here is my scenario with real numbers. I talked this over with Dave and he mentioned posting it here. Curious if you think I’m handling it the right way. I’ve got thick skin and can handle the criticism. Scenario: $225k in policy loans. Paying back currently $1k per month minimum. (Not being the best banker.) Plan to pay back involves using proceeds from commercial real estate syndications as they mature. This likely will be in 2028. Currently have $200k in cash value. Needs: 125k in promised real estate syndication pending. (Not called for monies yet.) Unexpected kitchen remodel due to a water flood this summer. Total gut job. After insurance leaves a delta of around $100k. Reality… I’m looking at $400k in policy loans and draining my cash value to nearly 0 with loan interest payments of $25k annually even without touching the principal, this seems like a lot. Options: 1. Do it all through my policies and take on the debt burden. A) the Infinite Banker says “Do it!” B) being a bad banker already says that added debt will make it challenging to even cover the interest amounts. 2. Reduce the PUA by all or a percentage (all versus 50%?, 🤷‍♂️) A) infinite banker says, “No! You’re affecting your CV downstream and ability to have more in the end. Think long term!” B) Realist says, “you’re not being an honest banker currently and you’re digging a bigger hole for yourself. What if you eliminate or reduce PUAs for a year or two in order to pay off this kitchen, then start to reduce to debt load some. Then, once the syndications start popping, go back up on the PUAs to the degree that you’re allowed to do so.” C) Realist also says, “I know that this may affect your policy some, but you have riders that can expand your kids policies beginning in as early as 3 years from now. If you have excess money and loans become more manageable, but because of your boneheaded move now for short term gain, you can always shift those extra premiums into your kids’ policies as they become available.”

Good afternoon! Been doing IBC for several years now - really just capitalizing and trying to shift away from banks. Got into some investment debt and now paying down a HELOC and IBC loans. I am looking to tap into anyone experience in cycling premium -to- IBC loan -to- payoff HELOC. I suppose that I am just taking an IBC loan after I pay each premium to pay off the HELOC. Wondering if there is something I am missing. Can explain more if that helps, but that is the gist of it. Thanks -chris

Today I'm wiring money so that we can expand our other business. We acquired a 4 BR house on 5 acres which will square off our existing 13 acres that Emafini Mountain Lodge is currently operating on. This will also add an additional 6 patient capacity (75% increase) and the home will also house our drug testing lab. I'm excited about all of this but especially the drug testing lab. Worse case scenario is the lab is a modest revenue stream, most likely case is that it is a significant revenue stream. Essentially, we are vertically integrating this requirement since we are mandated to drug test our patients anyway so it made a lot of sense to do this. The home will also house two of our current staff. Anyway, last week I requested five policy loans from five different policies. All of the loan deposits hit in less than three days. Simple. Easy. No hassle. No stress. No banker. No credit checks. I also decided that since I've hit a certain level of liquidity that I'm going to take over the financing on two of my vehicles which will free up $2,651 per month. In other words, I'm increasing my annual income in a tax free way by over $31k per year. That monthly "income" will of course be immediately directed against policy loan repayment (smallest to largest). You see, it's just a revolving door of money all controlled by me and my family. Have a great week everyone.