Infinite Banking Mastery

When you have extra cash available it's easy to think applying it directly to a large balance–like a mortgage–is a good idea. But in most cases there's a better use for that money, even if it is strategically used in a different way to help you accomplish the same goal. Recently a client came to me with a plan to pay down his mortgage, and left our meeting with a different idea. Once you listen to this episode I think you'll see why. And you'll know whether a similar strategy is the right approach for you too. Listen now! Show highlights include: How refinancing your mortgage keeps you broke. (1:41) Nelson Nash's "interest secret." Most people focus on the interest rate when they should be looking at this instead. (2:03) Focused on paying off your house early? Here's when it makes sense, and when it doesn't. (2:22) "Equity trap." How paying down your mortgage to gain equity hamstrings your chance to build substantial wealth. (4:35) Does it really help your finances to borrow from your whole life policy? Real-world example shows the stunning difference. (9:09) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You're no stranger to premiums, but you might not realize all the options you have for paying your Whole Life insurance premiums, and what difference they make to your Infinite Banking strategy. In this episode I'll explain your options, and the surprising flexibility, for paying your Whole Life premiums. I'll also explain why you should still consider Whole Life if you don't have much money, or your health isn't as good as you'd like. Listen now! Show highlights include: Payment Mode questions answered: What are they? What are your options? Do you have to stay with the same mode forever? All this and more explained. (1:04) Surprising way to pay your Base premium and Paid Up Additions premium. (2:12) How to move a lump sum into your policy without giving yourself a migraine. (2:35) Biggest reason to consistently fund your Paid Up Additions every year, even when your insurance company doesn't require it. (5:15) How to "Build Your Policy Backwards" to optimize Whole Life insurance for Infinite Banking. (6:35) Didn't get the health rating you expected? What to consider before you reject an insurance offer. (10:58) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

People are living longer so it's more important than ever to prepare for senior healthcare expenses. But that's hard to do if you underestimate your need for care, or how expensive it can be. That's why, in this episode, I'm sharing insights and statistics to help you see how serious this is, and explain what options are out there so you can prepare for when you or a loved one need to pay for these services. Listen now! Show highlights include: Why now might be the best time to start Infinite Banking if you want to borrow against your Whole Life cash value in your golden years. (3:18) The two most important questions to ask yourself as you plan for old age. (4:19) What 10,000 Baby Boomers per day are teaching us about the widespread need for long term care. (5:38) Explosive growth of the 80+ demographic: Doubled in 30 years. Here's how long until it doubles again, and what it means for healthcare costs. (5:49) Shocking reason American mothers spend more time caring for parents than their own children. (6:20) "Medicare Miscalculation" that could leave you or a loved one unable to get home health care when you need it most. (8:47) Your options for long term care insurance, and why anything is better than nothing. (9:44) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

When you're trying to figure out how much life insurance coverage you should get, you might hear the term "Human Life Value." But what does that mean? If you're not sure, then this is an episode for you. I'll explain what it is and how it's calculated. I'll also explain different methods you can use to get an idea of how much life insurance coverage you actually need. Listen now! Show highlights include: How insurance companies calculate coverages for age groups. Examples from a real underwriting guide. (1:06) Why a homemaker should have life insurance, even if they don't earn a nickel. (1:59) What "Human Life Value" actually means, and how it's calculated. (3:57) The "10 Times" rule for estimating your life insurance need. It's popular, but is it accurate? (4:29) How group life insurance could trick you into miscalculating your coverage needs. (5:36) Do you need life insurance if you're wealthy and have lots of assets? Here's why the answer is usually "Yes." (10:09) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Some people protect their retirement savings from risk while they're working, but don't think about how to protect it after they retire. But this is a mistake, because there are plenty of threats to your income during retirement. If you don't think about them ahead of time, you could be vulnerable when you can least afford to be. That's why in today's episode I'm sharing the most common threats to your future income. I'll also help you see your options to protect yourself from these potential risks. Listen now! Show highlights include: Retirement "money myth" that tricks people into saving far less for retirement than they should. (1:22) Frustrating way tax brackets complicate retirement planning, especially if you plan well. (1:40) Biggest risks while saving for retirement, and after you've retired. (2:36) Why living longer complicates retirement, and how to keep the blessing of longevity from becoming a curse. (2:53) How to shield yourself from unexpected medical expenses that can bleed your savings dry. (4:48) Surprising "Triple Tax Advantages" of Health Savings Accounts. (8:27) How married couples can leverage Whole Life insurance to fight inflation in retirement. (10:15) Haven't been saving for retirement? Here's why to start today. (11:58) Why you should ignore the "Save 10%" rule, and what to do instead. (12:46) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

Planning for future income for that time when you are no longer working or are working less, is important, and with so many options it can be confusing to know what you should do. And if it weren't hard enough already, it gets even more complicated when you factor in taxes on that income. I'm here to help! Listen now! Show highlights include: Have a pension? Three reasons to hang onto this increasingly rare retirement benefit. (1:52) Common Social Security miscalculation couples make that could leave you hurting while heartbroken. (3:16) Why life insurance is critical if you're depending on Social Security. (4:15) Why your tax bracket matters. (5:56) Today's market volatility is bad enough. Now learn about the hungry "money monster" waiting to eat a chunk of a certain savings account when you retire. (6:57) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

You know you can borrow against the cash value of your Whole Life insurance policy. But you're thinking about a conventional loan like a mortgage or a HELOC. Will your life insurance loan be a red flag to the bank? How much will it matter? In this episode I'll explain how the banks really view life insurance loans, and why you shouldn't let one scare you into thinking you couldn't get a conventional loan. I'll also share a little more on last week's topic to help you appreciate the importance of having your own life insurance policy that's yours no matter where you are or what you're doing. Listen now! Show highlights include: Why you're skating on thin ice if you only have insurance coverage from your employer. And what to do before you find yourself underwater. (2:07) What to look for in life insurance explained in one minute. (3:25) Fine print to look for so you can know if that Term Life plan is flexible enough to convert into permanent coverage you'll actually want. (3:57) Why banks don't care how much you've borrowed from your life insurance. (7:29) Unique insurance company practice that confuses loan officers at conventional banks. How to keep it from derailing your loan application. (9:01) How to leverage the benefits of Whole Life insurance and build your credit at the same time. (10:05) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

You know life insurance is important, but you've been putting it off. Waiting until you can afford a Whole Life policy, instead of just Term… Or until you can qualify for a better health rating… Maybe you're "on the fence" about Infinite Banking and want to sort it all out before putting money into an insurance policy. Whatever the reason, if you don't have life insurance this episode is for you. I'll explain why the risks of waiting are so great that not having life insurance is something you need to fix immediately. Listen now! Show highlights include: Now or later? Why you should get life insurance even if you're still undecided about implementing the Infinite Banking Concept. (1:01) When getting Term Life insurance might be better than a Whole Life policy. (2:32) How Term insurance today can save you a troubling medical exam later. (2:56) Can you get new life insurance after surviving cancer? Maybe, but you shouldn't count on it. (3:10) Why life insurance is critical for small business owners. (5:38) How GoFundMe campaigns fall short, and why you shouldn't depend on them despite their wonderful intentions. (9:32) Surprising reason to get disability coverage, even if it excludes a problem you already have. (10:57) Why locking in coverage at a lower health rating–and higher premium–is better than waiting until your health improves. Even if it really does! (12:22) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

You know it's important to have money in the later years of your life. And you might think the conventional wisdom must be the safe way to go. But you need to listen to this episode first! I'll explain why following the crowd might be the worst thing you could do, and what to consider before making that decision. Listen now! Show highlights include: Why it's a mistake to view Whole Life Insurance companies as carbon copies of one another. (1:05) How Whole Life companies are defying the stereotype of being "behind the times" with technology. (1:45) "Co-owner Effect" you must achieve with a mutual company. Walk away if they don't do this! (2:19) How to lose 30% of your life savings in just one month, without going to Las Vegas. (3:34) Shocking realization from the 2008 market collapse that forever changed my perspective on client advice. (5:02) Simple exercise to counteract stress's physical impact on your body. (6:01) Pensions are vanishing in the U.S. Here's how to make your own. (7:54) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

I just returned from this year's IBC Think Tank. Not only did I have the privilege of presenting, I also learned from some of the top minds in Infinite Banking today. Today I'm sharing the highlights of the event with you, so you can know what's relevant in Infinite Banking right now, and be equipped to make good decisions with your financial planning. Listen now! Show highlights include: How Nelson Nash's first policy proves IBC can work even with a "plain" whole life policy. (3:22) The two vital components of a "MEC Resistant" policy so you can avoid a surprise visit from Uncle Sam. (4:17) Dividend Difference: Why dividends aren't identical for Base premiums and Paid-up Additions premiums, and which one is higher. (5:03) Why the "Honest Banker" concept isn't just for repaying your loans. (5:54) Are Wall Street "pirates" plundering your retirement assets? Shocking facts about the U.S. economy compared to European nations. (8:33) What "buy term and invest the difference" advocates ignore when steering people away from Whole Life insurance. (10:11) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Velocity Banking is getting a lot of attention, and many people are confusing it with Infinite Banking. While there are similarities, these two concepts have different main goals. In this episode I'll explain those differences so you can see why, for most people, Infinite Banking is the robust solution. You'll also learn how Infinite Banking can help you achieve most of what Velocity Banking does, without taking on all the volatility and risk. Listen now! Show highlights include: Why Whole Life insurance remains fundamental to Infinite Banking after all these years. (0:57) The "one track mind" of Velocity Banking and how this hyperfocus can cut years off your mortgage. (2:57) Rarely-mentioned reason most people considering Velocity Banking would fail if they tried it. (5:09) Big picture considerations ignored by Velocity Banking, but not by Infinite Banking. (6:49) How to use Infinite Banking to get similar results without the risks and headaches of Velocity Banking. (7:15) Why Velocity Banking only works for disciplined consumers, and the disastrous consequences waiting for undisciplined users. (8:23) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard some people borrow from their life insurance policy and don't pay it back. And you might be thinking: "I'll do the same thing! Why not?" You'll want to listen to this episode because I'll share why not treating yourself like an honest banker is a bad idea. I'll also explain all the repayment options available to you, and what to do if you have a financial hardship and don't think you can repay your loan like you had planned. Listen now! Show highlights include: "Repayment Refresher"--The many ways to repay your loan and how to set up a loan repayment. (1:47) Loan payment "magic trick" for life insurance loans that conventional bank loans can't match. (3:17) Why I don't recommend using dividends to repay your loan, even though you could. (5:15) Money's tight? Can't repay your loan? Try this before surrendering. (5:49) What really happens if you don't repay your loan. (7:01) How reckless borrowing and careless repayment can combine to cost you your policy. (8:32) The tax return nightmare that follows a policy lapse. (9:26) Why the "honest banker policy" is the best approach to IBC. (9:54) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You know one of the benefits of an Infinite Banking Concept is the ability to "be your own banker" and borrow against your life insurance policy. But you might be wondering: "How exactly do I do that?" No need to worry, because in this episode I'll lay it all out for you step-by-step. I'll also explain why even though it isn't an "instant" process, IBC clients still prefer it far more than conventional bank loans. Listen now! Show highlights include: Why you can borrow against Whole Life insurance, but not Term Life. (1:40) What to ask your agent if you aren't sure if you can borrow yet. (2:55) The "95 Rule" to quickly estimate how much you can borrow. (3:45) How your agent can often get your funds faster than requesting your loan online. (4:11) Real reason your Whole Life insurance company only sends one statement per year. Hint: It isn't to save paper. (5:28) Want to borrow without paperwork? It's possible, but here's what you need to know before you try. (6:33) What actually happens with the interest you pay when repaying your loans. (7:42) How long it takes to get the funds you request, and common variables that could make it faster or slower. (9:15) Great loan debate: Small loans more often, or big loans occasionally? The clear winner explained. (10:59) Why clients prefer borrowing against Whole Life insurance instead of traditional loans from a bank. (11:50) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

It's not uncommon for people to hear about Infinite Banking and think it's too good to be true. They think there must be some downside! And while I don't believe there are any actual downsides, there are a few things that could look bad when you're just starting to learn the ins and outs of IBC. So, in this episode, I'm going to walk you through those concerns and explain what's actually happening. I'll help you see there is no "boogeyman" waiting in the closet to surprise you once you start Infinite Banking. There's just an effective way for you to make your money work better for you and your plans. Listen now! Show highlights include: The one type of person Infinite Banking cannot satisfy. (1:11) Startup Secret: How treating Infinite Banking like a business transforms what looks like a downside into a sensational benefit. (2:44) Why good advisers insist you read Nelson Nash's Becoming Your Own Banker before meeting with them. (6:54) "Premium Myth" busted: Why you don't need astronomical premiums for an effective Whole Life policy. (7:34) Real reason Whole Life premiums are higher than Term Life, and why that shouldn't scare you. (8:04) Thinking about IBC but also want investments? Overlooked way to do both instead of just one. (10:30) How to fund a Whole Life policy without a lifetime of premium payments. And how to know if this approach is right for you. (11:09) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Everybody thinks about retirement. Not everybody thinks about how they'll have the cash flow they need to enjoy retirement. Today I'm here to help you with that. I'll explain four different options for retirement cash flow so you can see which ones make sense for you. Listen now! Show highlights include: Cash Flow vs. Big Pile of Assets: Which one is better, and how to get them playing on the same team for even better results. (0:48) Potent "1-2 Punch" Whole Life insurance delivers in retirement years. (1:39) Why borrowing against your Whole Life Insurance cash value in retirement beats loans from commercial banks. (1:50) Simple but proven borrowing strategy to ensure you'll have the cash you're counting on when you need it most. (2:18) Thinking about partial withdrawals? Here are the "pros and cons" to weigh so you can make the right decision for youself. (3:08) Why Uncle Sam loves it if you terminate your Whole Life Insurance policy. (3:45) Safely navigate the "annuity maze" with this high-level overview of the different annuity types. (6:29) How to leverage Whole Life Insurance to easily double your cash-flowing assets. It's legal, ethical, and more popular than ever. (8:20) Surprising way a part time job could increase your Social Security benefits by 8 percent each year. And how to decide if it's worth it. (9:28) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Your savings options are limited if you want to access money tax free: there are Roth IRAs and cash value life insurance. You won't know which option is best for you without taking a closer look, so in this episode I'll give you an honest overview and explain why I always prefer Whole Life insurance. Listen now! Show highlights include: How Whole Life spares you the headaches of calculating income and worrying about restrictions. (4:51) Why a savings account you can access tax free is essential to future proof your finances. (5:51) Is Uncle Sam a good business partner for you? Knowing this one thing will help you decide. (5:59) The "1-2 Punch" of Whole Life insurance to spare you from market volatility and still gain value. (6:40) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard about Index Universal Life (IUL) policies, and the benefits sound great: Who wouldn't like the sound of getting to enjoy (limited) climbs in the stock market while being protected against crashes. But these policies have real dangers too many people don't know about, like losing cash value or even the policy, and are not great for practicing IBC. Thankfully you don't have to be one of those people. Because in this episode I'll tell you what you need to know when considering IULs. I'll also reveal sneaky things agents have said and done to lure unsuspecting clients so they won't be able to hook you into something you'll regret. Listen now! Show highlights include: How I went from mesmerized to "wide awake" about the reality of IULs. (2:28) Why IULs become a "ticking time bomb" ready to blow up when clients need them most. (4:37) The real-life nightmare lurking behind the first policy loan clients took from a IUL. Don't let this debilitating expense surprise you too. (8:38) Experienced attorney–with more than 300 cases in four years–reveals red flags to look for to keep yourself out of financial harm's way. (9:44) Simple reason you can't be diversified if you're only in the stock market. And how to truly diversify instead. (12:28) Shady recommendations used by real agents. Run away if you ever hear these used on you! (13:03) Shocking truth: Why a lot of agents and reps don't really understand the products they sell. (18:33) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard the advice: If you can afford it, get a 15-year mortgage because of all the interest you'll save compared to a 30-year mortgage. It's true you'd pay a lot less interest to the bank on a 15-year mortgage, but does that make it the best decision? In this episode I'll explain what else you should consider before tying up extra income in a 15-year mortgage, and why in most cases there's a better way to approach it through whole life insurance and the Infinite Banking Concept. Listen now! Show highlights include: Half truth: What typical 15-year mortgage advice gets right, and what it misses at the same time. (1:18) How to make more money using IBC than you'd get in saved interest from a 15-year mortgage. (2:20) Why the method that works best mathematically (and doesn't involve whole life insurance) gets wrecked again and again by Parkinson's Law. (5:30) The HELOC "money mirage" that could leave you powerless when you need to borrow the most. (7:48) Overlooked reason why paying cash for a big purchase is like lighting money on fire. (8:06) The Great Equity Debate: Head-to-head comparison of home equity vs. whole life equity. (9:41) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You know without financial literacy your kids will become sitting ducks for credit card companies. But when do you start teaching? And how can you do it without boring them? In this episode I'll share appropriate ages to begin (and advance) a child's financial education, key topics to cover, and how to create teachable moments they'll remember. Listen now! Show highlights include: Why you can start teaching kids about money sooner than you think. (1:46) How Dollar Tree can teach your kids about taxes. (2:06) Forgotten fundamental, rarely taught in school anymore, that shields your child from the allure of credit cards. (3:42) The Great Allowance Debate–Why giving your child an allowance could leave them unprepared for adulthood. (4:54) Simple "10-10" Rule to teach children about giving and saving. And how one modification makes it great for adults too. (11:23) Double Trouble looming for retirement savings locked up in IRAs or 401Ks. Many don't realize the danger until it's too late and costs a small fortune. (13:22) Ideal age to give your child Nelson Nash's book, and how to help them grasp harder concepts. (15:34) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Infinite Banking is meant to help you take control of the banking function of your life, and keep your savings safe from the volatility of financial markets. But lately some self-proclaimed IBC specialists are setting their clients up with a type of permanent life insurance that looks good on paper, but actually exposes their savings to the same type of uncertainties they were trying to avoid in the first place. In this episode I'm sounding the alarm! I'll explain what these policies are, why the information used to promote them is never an accurate picture, and what you should do to actually keep your savings safe. Listen now! Show highlights include: Agent says he's an IBC specialist, but wants to hook you onto an Index Universal Life policy. What to know before you take the bait. (0:39) Surprising guarantee tucked into IULs that are a boom for the company, but a bust for your wallet. (4:27) Asset or investment? The best way to look at life insurance, and why approaching it the wrong way is an expensive mistake. (8:37) Why people who hate inflation love Whole Life insurance companies. (11:20) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

We might be in a new year, but the important principles Nelson Nash taught in Becoming Your Own Banker remain timeless. That's why in this episode we're diving deeper into the book for more important takeaways. I'll share what Nelson called "The Golden Rule," and why treating your whole life insurance plan like a business startup can change your outlook (and results) for the better. Listen now! Show highlights include: "Golden Rule" (not the one from the Bible) that's crucial to your financial wellbeing. Fail to learn this and you'll always struggle. (2:39) How your feelings keep you in financial prison, even though the door is unlocked. (3:26) Overlooked fact of the U.S. Constitution that's a breath of fresh air against suffocating government spending. (4:33) Entitlement trap snaring the country, and why it hamstrings your ability to thrive. (5:31) Why Japanese business philosophy can make your IBC strong from the start and better in the long run. (5:55) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You owe the US Government $519,000 (and growing). That's how much you (and every other American) needs to pay in order to bring down Uncle Sam's debt. What's even crazier is this: According to retirement expert Ed Slott, the Federal government can increase their percentage of your savings whenever they need more money — and that day is coming soon. So the question is, how much will the government take away from your retirement account? In today's episode, I reveal how you can avoid the government legally taking more of your hard earned money. Listen now! Show Highlights Include: The US government owes over $173,000,000,000,000 in unfunded liabilities. Check out this website to see the exact breakdown U.S. National Debt Clock : Real Time (usdebtclock.org) (3:25) How to get to a 0% tax bracket (and transform your retirement) by clicking "add to cart" (4:47) The four letter word that explains why your tax rate could double (or else the country could go bankrupt) (6:05) Excited to get a tax break in 2023? Here's why doing so could force you to pay taxes at a rate as high as 48% (like in Australia) (7:24) Are you a sitting duck for a revenue hungry Uncle Sam? (8:05) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Walt Disney, JCPenney, and Ray Kroc. What do all these ultra-wealthy individuals have in common? They all possess, "The Secret of the Affluent", as coined by the New York Times. In layman's terms, they all got ahead in life, not by spending their own money, or taking out a loan, but… By borrowing against their whole life insurance policy! So, why do the ultra-wealthy leverage whole life insurance policies? Deposit amounts are unlimited (and NO income limitations) No tax on the growth of your account No tax when accessed either (if structured correctly) Any money left over for your children and grandchildren can NOT be taxed by the money hungry federal government. Sounds pretty good, right? Well, in today's episode, I reveal a few more tricks the ultra-wealthy do to amass true wealth, while paying as little in tax as possible. Listen now! Show Highlights Include: The counterintuitive way to earn an extra $2,000 by spending $3,000 (1:11) Bank won't provide a loan to start your business? Use the "Walt Disney" source of finance to kickstart your entrepreneurial journey (2:12) How Ray Kroc, the founder of McDonald's, used "The Rich Man's Roth" to create the McDonald's empire (3:51) Access your life savings — tax free — with Tony Robbins' "Private Placement Life Insurance" (6:03) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Elon Musk can be polarizing, but like him or not he's saying something about government spending you ignore at your own peril. That's why in today's episode we're taking a closer look at the alarm bell he and others are ringing loud and clear. You'll know why this matters so much, and why you should urgently protect your savings from the volatility lurking around the corner for the American economy. Listen now! Show highlights include: Do you suffer from the Ostrich Effect? Why so many Americans put their head in the sand and ignore the national debt. (2:10) Shocking "bottomless pit" the government shovels money into. Swallows even more tax dollars than the military and leaves you with nothing to show for it. (3:30) True source of inflation they don't want you to know about. (3:47) Can it really be that bad? What would happen if the national debt remains unaddressed. (5:38) Why 53 trillion is the scariest number in economics. (6:05) Real reason Social Security is on the brink of collapse. (8:42) Why conventional retirement accounts have a giant bullseye irresistible to politicians hunting for funds. What to do to protect your savings instead. (11:40) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

We're all human, so if you're having a problem you can be virtually certain you're not the only one. Especially when it comes to finances! But just because most people have financial struggles doesn't mean you have to keep suffering right along with them. That's why in today's episode I'll share some common problems that derail the ability to achieve financial goals, and help you see how to keep them from wrecking you too. Listen now! Show highlights include: How obeying Parkinson's Law puts you in financial prison. (1:45) Why most people have a hard time saving, even if they get a big raise every year. Hint: It's NOT inflation! (7:27) Are you getting mugged in broad daylight by the world's biggest thief? A simple way to tell. (8:56) Sneaky reason heavily-promoted "tax oasis" is actually a mirage. Recognize this now or you could lose 50% or more of your retirement savings. (12:00) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard the best whole life insurance policies can give you return of premium (aka dividends). But you've wondered if this feature is too good to be true, or at least exaggerated to sound better than it really is. This episode is for you! Because we're talking more about creating your own banking system, and getting real about the actual potential for dividends. I'll also share "need to know" information so you can set an appropriate death benefit, make loans to yourself the right way, and use infinite banking to save a fortune that you'd otherwise surrender to banks. Listen now! Show highlights include: Are dividends overhyped? Real-world examples show how good they can get with good timing and the right funding. (1:17) What to do when your need for finance is greater than your need for life insurance. (3:22) Can you actually have too much death benefit? What my professional experience has taught me. (4:25) "Think like an insurance company" secret to set up your policy to do what you want, without spooking the underwriters. (5:04) Shocking truth about the money you borrowed to buy your last car. You'll never be able to look at auto loans the same way once you know this. (6:29) How to know when to open additional whole-life policies so you never stretch yourself too thin and don't miss out on maximizing your banking system. (10:15) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Imagine a savings tool that had: Guaranteed growth/return on investment (and we're not talking under 1% like you get in savings accounts) Liquidity (access your savings income — tax and penalty-free — whenever you want) Borrow against the full amount of your savings (without risk of a margin call) — rather than withdrawing your money. Allowing your savings to continue to snowball and grow! And you know what? I only mentioned a fraction of the benefits here. In this episode, I reveal the additional 10 benefits this savings tool has. And if your investment vehicle doesn't have these, you're putting yourself at risk of inflation, banking greed, and the ever money-hungry Federal government. Listen now! Show Highlights Include: How to get a guaranteed return on your investment until you're 121 years old (and leave a legacy for your children and their children) (1:35) Why having a "SFC" mechanism could prevent you from depleting all your life savings (1:57) How to unlock your retirement savings without retiring (without incurring a 10% early penalty) (2:53) Scared of your nest egg going down the drain during a recession? Here's the "WLI" policy that eliminates market volatility from your savings portfolio (3:20) How to borrow against the full amount of your savings (without the risk of a margin call) (3:35) Struggling to keep up with principal + interest repayments on your loan? Here's how to pay interest only for as long as you want (4:07) How to save as much as you want with no ceiling or cap (even if you earn a million dollars a year) (4:58) The simple way a "WLI" policy allows you to leave a legacy, and hand down your wealth to your children and grandchildren (all inflation proof) (5:45) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You've read Nelson Nash's Becoming Your Own Banker or listened to previous episodes of this podcast where I've shared some of the most important ideas and information from his timeless book. And now you're thinking becoming your own banker might be something you should do. So now what? How do you do it? Why would you want to? What's involved to get it going? Don't worry! In today's podcast I'll help you with all of those questions. I'll also share how the whole life insurance companies make their money so you can have confidence your new banking system won't be built on shaky ground. Listen now! Show highlights include: Why failing to understand opportunity cost is keeping you broke. (1:34) A little-known magazine article, from 1993, that reveals the key big business used to turbocharge their profits. And it can unlock wealth for you too. (2:18) The first places you should look if you can't find the money to start a whole life policy. (3:58) Actuaries, rate makers, and lawyers are all involved in putting together an insurance policy. Here's what they do and why they're actually necessary. (6:15) Does smoking "wacky weed" result in wacky rates? Why occasional marijuana use doesn't always affect your insurance premium. (6:22) How whole life companies make enough money to consistently honor their contracts. (8:50) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Tired of the stranglehold commercial banks have on you? Wouldn't it be nice to just own your own bank! But owning a brick and mortar bank would take years to do and more money than most of us have lying around. Thankfully there's an ethical way to take control of your finances, much like a banker, without all the hurdles to clear and capital to come up with. In this episode I'll explain what it is, why it's so much easier than owning a bank, and why more people aren't using it already. Listen now! Show highlights include: What it really takes to open a commercial bank. (1:17) Disturbing truth about the money the bank loans you. (6:36) Wall Street Houdinis–Perilous way banks "create" money out of thin air. It's legal, and you're probably enabling it! (7:00) How a proven 200-year old financial product remains underutilized by the people who can benefit from it the most. (9:36) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You already know it's hard to pay your bills and provide for your future because of inflation. But there's something else chewing up your income. And you probably don't realize how big a bite this monster is taking. That's because there's a clever distraction the banks happily use against you. In this episode I'm going to explain to you just what's going on. And I'll use examples from Nelson Nash's classic book to do it. You'll see how this problem has grabbed Americans' spending power by the throat, and how you can escape the stranglehold. Listen now! Show highlights include: "All-American" secret, ignored by most, that can liberate you from financial struggles. And it's way more secure than stuffing money under your mattress. (1:31) The three things Americans spend nearly all their money on: The actual percentages will shock you. (3:10) Why financing is involved in any purchase you make, even if you pay cash. (4:24) How moving at least once every 10 years makes your bank love you. (5:37) What to look for instead of interest rates. Ignore it and you'll get buried by interest even if rates are historically low. (9:08) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

There's a big money problem that is slowly crippling the entire country. It's been two years since I talked about this on my podcast, but I'm doing it again in this episode because the problem is only getting worse. I'll also share a solution to this problem, and why the best thing you can do for yourself is also good for your nation: whether you consider yourself patriotic or not. Listen now! Show highlights include: The question Jesus asked a lame man that can help you get back on your financial feet. (2:32) Behind-the-curtain look at how the Federal Reserve conspires with banks (3:21) "Messed up" legislation, passed in 2010, that forces you to spend your money to rescue your bank, no matter how irresponsible they were. (3:36) Common sense way to fight inflation without aiding and abetting the bank. And it's way more secure than stuffing money under your mattress. (4:51) Buying real estate? Why banks and mortgage companies don't mind (and won't penalize you) if you've already taken out loans against your whole life insurance. (7:11) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Albert Einstein is credited with saying "Compound interest is the eighth wonder of the world." And one of the perks of IBC is that compound interest can work in your favor, even when you borrow against your whole life policy. But does that mean you should park all your money in savings accounts, or do you need to keep your money moving? It's a popular debate with a definitive answer. And in this episode I'll explain a slide used by Nelson Nash to compare compound interest to keeping your money in motion. What he discovered might surprise you. Listen now! Show highlights include: How to get the biggest impact from the money you borrow from your banking system. (2:58) Why IBC can help you become a profitable landlord without the anxiety and headaches of conventional real estate investing. (3:06) The "Sherwin-Williams secret" that will change how you look at savings accounts forever. (4:32) Real reason banks want you to keep your money in savings accounts. (7:59) Ever wonder why bank vaults aren't bigger? Here's why. (8:14) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

If you've owned your own business you know how hard it is just to get the doors open, let alone to keep things running long enough to turn a profit. But did you know that hard-earned wisdom is a great advantage when you apply it to Infinite Banking! And if you're not a business owner, that's OK. Because in this episode I'll share and explain one of Nelson Nash's favorite illustrations so you can learn these important lessons, even if you don't have an entrepreneurial bone in your body. Listen now! Show highlights include: How a grocery store provides a great framework to think about Infinite Banking. (0:48) Secret motivation that propels business owners to work 12 hours a day, 7 days a week and how you can harness it to stay on track with your financial goals. (5:28) Why a trip down the produce aisle will make you better with money. (6:55) Crippling "owner's mentality" that destroys small businesses and could also wreck your retirement planning. (8:44) Surprising reason paying more interest saves you money. (11:31) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard of Nelson Nash and Infinite Banking, but you might be wondering: how did he come up with this idea in the first place? In this episode I'm going to share that interesting story as he explained it in his book. But more importantly, you'll be able to see how your willingness to learn from everything you do, and apply your unique perspective to your problems, can help you overcome your biggest challenges…even if it feels like you're at rock bottom. Listen now! Show highlights include: - What insurance agents secretly hope you won't ask them about the products they offer. Could be costing you thousands of dollars! (2:34) - Fundamental real estate principle to change how you look at money for good. (4:50) - What one of Nelson Nash's most powerful quotes really means, and how to use it so you don't stay dependent on commercial banks. (5:47) - "Like a baseball bat across the eyes." Perspective shift that lets you boldly rally from rock bottom, even when things look their worst. (7:38) - How to "BYOB" your way to the right funding level for your policy. (10:42) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard of Nelson Nash, but you haven't read his classic book yet. Or you've read it, but it's been awhile. Either way, I've got you covered as we look at some of the biggest ideas from Becoming Your Own Banker. In this episode we'll start with his very first page of writing. You'll see what the banks have figured out, and why learning it for yourself can change your life and your net worth. Listen now! Show highlights include: Why Nelson Nash's book should still be first on your list instead of newer works on IBC. (1:25) "97-3-10 Rule" of wealth accumulation that should shock you out of complacency with your personal finances. (3:17) Two businesses every businessman should be in if they really want financial freedom. (4:15) Surprising similarity between money and water. Understand this and you can win big with your finances. (4:33) Legal way banks use your own money to keep you broke while they thrive. (6:23) The two questions you must answer when wondering if IBC is right for you. (8:17) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You know enough about Infinite Banking to know you can use a Whole Life policy to effectively make loans to yourself. But you've also heard critics say it takes a long time before you can get access to the funds. In this episode, I'll cut through the confusion to give you a realistic picture of just how soon you'll have access to funds you can borrow against. I'll also share why, with some companies, you can now access funds sooner than ever before. Listen now! Show highlights include: Critics say it takes forever to access funds in your whole life account. Here's how to do it in weeks, not years. (1:06) Paying monthly premiums? Here's how long you should wait to borrow against that account. (3:38) Powerful tool helps you knock out debts while only tapping your account once per year. (3:58) The friendly employee your bank has, but the insurance company doesn't. And the surprising reason the financially savvy want to keep it that way. (4:55) Really want to borrow against your plan right away? Here's how to do it with enough cash value to avoid long waits. (6:36) Using your checking or savings account to hold a big down payment on a house? Where you could put that money instead so it works harder and more efficiently for you. (7:18) How the Paid Up Additions rider works so efficiently, and what to look for so you don't get surprised when it's time to move your money. (8:30) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

There are different reasons people think Infinite Banking couldn't work for them. But the most common concerns are age, health, and income. If you've ever wondered "Am I too old?" or "Do I have enough money?" or "Will my high blood pressure get in the way?" this is your episode! I'll explain what factors are most important to qualify for the whole life coverage you need for efficient Infinite Banking. And I'll share strategies you can use to get this coverage even if your health isn't as good as it used to be. Listen now! Show highlights include: Your biggest concerns about your ability to get coverage aren't really the biggest concerns. The single factor that trumps both your age and your income. (0:45) Want to insure a relative? It's possible, but not always as easy as you think. (0:56) "No risk" way to consider underwriting even if you have common health issues like high blood pressure or high cholesterol. (2:05) The practical reason to be completely honest filling out paperwork about medical conditions. (2:37) "Big picture" view of insurance ratings and how the different rate classes affect Infinite Banking. (4:16) Rating class too low for a whole life policy that works great with IBC? Do this immediately. (5:02) Waiting until your health improves before you get coverage could be the biggest mistake of your life. Here's what to do instead. (5:48) Why a lower health rating doesn't drive up IBC costs as high as you think. (9:32) Definitive answer to the age-old question: "Can IBC really work for me?" (10:58) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

When a couple comes to me with one income earner and a "stay at home" spouse, they usually think they should only insure the one earning the income. But this is a perilous decision that leaves you exposed to financial vulnerabilities that are hiding in your blind spot. In this episode, I'll shine a light on those dangers, and show you how you can get the coverage you need even if you think it's currently beyond your ability. Listen now! Show highlights include: "Hiding in plain sight" reason breadwinners miscalculate how much coverage their spouse needs. (1:29) Dark way your emotions betray you in IBC planning. (6:30) Why all the benefits of IBC can't save you if you refuse to be honest about your insurance needs. (7:55) Strategic way to use term life to cover your spouse if whole life isn't an option. (9:00) Secret reason the ultra-rich put whole life coverage on their stay-at-home spouse, even though they don't need the death benefit. (11:52) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

You know IBC is flexible enough to utilize for all sorts of financial plans. And if you plan to use your banking system to help you finance things like cars or college you might be wondering: "Should I have different policies for different uses, or is it fine to do everything I want from one policy?" It's a great question, and in this episode, you'll hear why the answer largely depends on where you are in your IBC journey, and what you want to accomplish. I'll also explain when one Whole Life policy is enough, and when you should have several. Listen now! Show highlights include: Why it's better to start IBC as high as your budget will allow instead of starting lower and increasing later. (1:18) Dangerous thing some Whole Life companies allow that could destroy your IBC system. Especially if you don't read your mail every day. (2:20) "Irreplaceable" asset you lose forever by starting small to test out IBC. (4:50) Surprising ways to make arrangements for yourself and your family, even if you can't afford a plan for every family member right now. (6:50) What Infinite Banking can do for your young scholar that a college savings plan can't. (9:12) How multiple policies can save you from accounting nightmares, especially if you don't like keeping close track of everything yourself. (10:35) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard about the flexibility Infinite Banking provides, but you might be wondering: Can I pull income from my IBC plan in my retirement? The short answer is a resounding "Yes!" But there are a few things you've got to keep in mind before you rush to take out funds. That's why in this episode I'll explain how it works, and what to watch out for so you don't make a very expensive mistake. Listen now! Show highlights include: What's the difference between building a policy in a more traditional way vs. building for IBC. (2:00) Will Dave Ramsey ever like Whole Life insurance? Why Valerie thinks he'd never admit it, even if he secretly changed his mind. (6:00) "Should I go for a low base premium?" Why this trend is a choice you'll regret. (8:06) How to balance your policy so you aren't low on cash when you need it the most. (9:51) A whole life contract you don't have to pay premiums on for your whole life? It's possible! Details here. (10:32) Why the strategy for repaying loans to yourself changes once you hit retirement. (11:32) Two lurking dangers waiting to ruin you if you don't structure how you borrow against your policy. (12:20) What a policy lapse is, and why it's especially bad if you're in retirement age. (15:04) 10 years away from retirement. Is it too late to prepare? Valerie's answer. (15:42) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

With traditional methods, you can do one of two things with your money: Spend it, or save it. If you spend it, that money's gone and can't be used for anything else. And since you've spent it, it can't appreciate for you: meaning you miss out on more than just the face value you spent. That's why it's important to think about opportunity cost: the dollars you really miss out on when you have to spend your resources instead of saving or investing them. In this episode I'll explain exactly what I mean by this. I'll also share how IBC can safeguard you from squandering a fortune in opportunity costs. Listen now! Show highlights include: How IBC lets you "have your cake and eat it too" with your money. (2:57) What is "opportunity cost" anyway? Crystal clear definition to eliminate confusion. (3:03) Sneaky way car payments keep you broke, even if they're well within your budget. (3:52) How to spend today without compromising your savings for tomorrow. (8:17) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

By now you know your most valuable asset is your ability to earn an income. And you realize you can use disability insurance to protect yourself against absolute financial disaster. But you might still be thinking that common thought: "Other people get hurt, sick, or disabled, but that's not going to happen to me." In this episode I'm sharing real life examples so you can see that real, ordinary people do end up needing this coverage. And why even though there are limits, disability coverage provides a whole lot better than nothing in the event you do need those benefits. Listen now! Show highlights include: Jarring reminder of how quickly your world can unravel from disability. IF you aren't prepared. (1:38) What a fancy yacht can teach you about disability insurance. (3:09) How to navigate a gap in your company's coverage so you aren't caught unguarded if you get sick or injured. (5:10) How an individual plan can keep COBRA from squeezing your savings. (6:22) Surprising real life disability claims prove unexpected things happen even if your job isn't dangerous. (8:23) Didn't know it covered that? Arthritis, asthma, and other common ailments that can be covered by disability insurance. (10:12) They didn't think they needed coverage. Heartbreaking account of "I don't need it" turning into "I wish I had it." (10:58) Why you could still qualify for disability payments even if you're able to work a different job. (12:10) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Your most valuable asset is your ability to earn an income. But the majority of Americans do little to protect it. This is alarming because nearly ⅓ will suffer a disability sometime in their career that forces them out of work for at least three months. And it's not just people with tough jobs like building bridges or mining coal. If you're one of those under-prepared Americans, don't panic just yet… Because in this episode I'll explain how you can protect yourself against a disability that would obliterate your finances. Listen now! Show highlights include: Four dangerous myths that stop people from buying critical coverage. (1:43) The surprising survey that says half of working Americans are just a few weeks away from financial ruin. (2:24) Why you don't have to work in a dangerous industry to be at risk of disability. (3:17) Long term disability coverage won't cover something you already have? Here's why to get the coverage anyway. (4:19) How a comfortable desk job makes you a prime candidate for long term disability coverage. (5:00) Think Uncle Sam will take care of you if you're disabled? (5:27) Why trusting your company's disability plan could let you down when you need it most. And complicate your taxes! (7:31) Questions to ask Human Resources to know for sure your company's disability coverage is right. (7:52) When short term disability coverage actually lasts long enough. (9:20) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard the conventional wisdom: "Save 10% for your future self." But different experts say different things…10%, 20%...who's right? And what if your expenses are so high you think you can't save anything? This is the episode for you if you've been wondering about how much to save toward retirement. I'll explain why there isn't a "cookie cutter" answer, and what to consider as you make your own decision. I'll also share surprising pitfalls you need to watch out for so your assets don't get plundered. Listen now! Show highlights include: Why it's impossible to put a percentage on how much you should save for the future. (1:25) Overlooked expenses that leave retirees struggling to keep their house–even though it's paid off. (2:09) Tax man's 1-2 punch waiting for you in retirement. Know now so you won't get sucker punched! (3:34) Heartbreaking way assisted living needs can expose your assets like a carcass in the desert…and the vultures waiting to pick it clean. (5:30) How to use IBC to protect yourself in your retirement years. (9:30) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You like the idea of IBC, but you're wondering if you really have the money it takes to get started. You're not alone! It's normal for clients to wonder if they can really afford this, and how much they need to get started. That's why in today's episode I'm going to help you understand why I advise the funding levels that I do. I'll also explain why your exact number won't be the same as somebody else's, and why that's a good thing! Listen now! Show highlights include: Counterintuitive reason you should always aim for the high end of your budget range. (1:14) The one question you need to ask to know the right level for you. (1:25) What IBC rookies misunderstand about borrowing and the death benefit. (2:11) What a coffee stand can teach you about IBC. (3:25) Tight budget? Try looking in these places to find the funds you need for your premium. (7:19) Unexpected (and costly) headaches if you try to go UP in premium after you've started your policy. (9:11) How to use term life insurance to maximize IBC…and you won't need any extra underwriting! (10:43) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

One of the things we love about IBC is that you can set up a system to BYOB–"Be Your Own Banker" and essentially borrow money "from yourself"…at far lower rates than conventional banks offer. And while repaying these loans comes with LOTS of flexibility, for best results you do want to get them repaid. That's why today I'm talking about ways to do that without burdening yourself with payments, and without giving yourself an accounting nightmare. I'll also share an additional option that lets you leverage your existing bank account to repay your loans in a timely and effective way. Listen now! Show highlights include: Amazing flexibility that comes with borrowing from yourself. Especially great if most of your bills all come due at the same time each month (2:30) The one new bank account you may want to acquire for clearer accounting. (3:10) Questions you need to answer when determining how to pay yourself back. (3:45) It's possible, at this time, to acquire a whole life policy that only charges you 4% interest on loans. Here's why you should pay yourself back at a higher rate. (4:33) Paid back your loan? Your options for what to do next, explained. (5:45) How to leverage your bank's "bill pay" feature to put IBC's loan repayments on autopilot. (6:47) Important thing to keep in mind regarding your bank's bill pay option. (9:20) "Exacting" way a good agent can help you optimize your loan repayment plan. (10:15) The two big "No Nos" of borrowing from yourself. (13:02) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Every now and then I'm asked if churches can use Infinite Banking. And I wish more churches would ask, because the answer is "Yes!" If you're in church leadership, or just a member of a congregation you care about, then this episode is for you. I'll explain why IBC is a great option for churches who want to use their financial blessings wisely. And I'll tell you why IBC makes more sense than a savings account or CD with the bank. Listen now! Show highlights include: Why Uncle Sam lets policies built for churches be even better than policies for individuals. (1:10) Bank products have their highest interest in years. But here's why churches should choose IBC instead of getting swept away by the current rates. (2:47) Risky thing, I don't believe churches should do with their money. (4:20) Who should the church insure? Surprising reason staff members aren't always the best option. And where they could look instead. (4:45) How churches leverage IBC to keep their preacher from being dependent on social security after a lifetime of faithful service. (6:50) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You owe the US Government $519,000. What? How? Well, as a nation, we owe over $31 trillion owed in funded liabilities (debt.) And we also owe over $173 trillion in unfunded liabilities (even more debt.) Worst part? According to David Walker, ex-CPA of the USA, your future tax rate will need to double — or else the nation will declare bankruptcy. Imagine paying double the taxes you already pay. With taxes projected to double, trying to build a nest egg will be impossible. Imagine what your retirement would look like if the government legally takes nearly half of your salary (or your retirement income). In today's episode, I reveal two ways to build tax free wealth. Listen now! Show Highlights Include: Excited to get a lower tax rate when you retire? Here's why you could be stuck paying a tax rate of 74% at 80 (5:21) How to avoid an insidious "tax" that penalizes you 50% for saving money in your nest egg (9:00) 2 tax-free savings vehicles you can access in retirement (10:18) Is your income too high for a Roth IRA? If so, check out "CVLI" as an alternative (and pay no taxes on your savings) (10:32) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

It's great to have a whole life insurance policy for each member of your family. But what do you do when your budget simply won't allow it? In this episode we're talking about how to do the best you can with the resources you have so you can provide for your children. You'll learn what a Child Rider is and why it's a great option for most people who have financial constraints. I'll also share why the first month after your child turns 25 is a golden opportunity that can help them for the rest of their lives. Listen now! Show highlights include: Why having a favorite child can get you in hot water with life insurance underwriters. (1:06) How to affordably cover all your children, even if you have enough for a basketball starting lineup. (2:49) "Know before you go." Avoid surprises in underwriting by knowing these extra steps needed to add a child rider. (8:35) Can't insure everybody? Why covering yourself first is the best move for your family's legacy. (10:53) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

The death benefit isn't the primary concern for most people who use Whole Life Insurance for Infinite Banking. But it's still important! In this episode I'll explain why you cannot afford to overlook what a benefit it is. I'll also share a true story that illustrates why, in some cases, the death benefit is the most important part of the legacy you leave behind. Listen now! Show highlights include: "Immediate relief" your death benefit provides in case of a long term care need. (2:29) What happens if you pass away within 2 years of acquiring life insurance. (5:17) Unexpected reason term life insurance becomes a secret weapon to protect your loved ones. (7:40) "Optimistic" thinking that dooms your loved ones to misery and struggle when you die. (8:04) Stunning true story reveals flexibility and benefits of whole life insurance. (10:18) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)