Life Success & Legacy

In this episode, Chris Bay sits down with Pei Chen to discuss her incredible journey into Infinite Banking and velocity banking. Once a curious observer on the sidelines, Pei has grown into one of the most respected voices in the space. She breaks down key concepts, shares real-life implementation examples, and offers insights shaped by years of teaching and hands-on experience. This conversation is packed with wisdom and practical takeaways. Don’t miss Part 1 of this powerful two-part series! The post Interview with Pei Chen! Part 1 appeared first on Life Success Legacy.

In this episode, Chris, Mike C., and Mike K. dive deep into the third thing IBC can do — what Nelson Nash called Passive Income. Nelson famously removed the word “retirement” from his vocabulary, but what did he actually mean by that? The team explores the history of retirement as we’ve come to know it, unpacks what Nelson laid out in Becoming Your Own Banker, and shares real-world examples alongside the Life Success & Legacy approach to teaching this powerful principle. The post Is “Retirement” a Bad Word? Passive Income, Nelson Nash’s Philosophy, and the LSL Team’s Take appeared first on Life Success Legacy.

In this episode, we break down everything you need to know about our upcoming live event in Houston. We start with the social gathering hosted by Mike K and Pei C on April 10th — a relaxed evening designed to connect, build relationships, and kick off the weekend the right way. Then we walk through the updated format for Saturday’s learning event on April 11th. While the morning will still deliver focused education, the afternoon shifts into an interactive mastermind experience. We’re putting more control in the hands of you, the attendee, with discussion topics selected during registration. Coaches and ambassadors will be stationed throughout the room to guide meaningful, high-impact conversations. It’s shaping up to be a full day of learning, growth, connection, and fun — and we can’t wait to see you there. Register for Houston Now! The post Why You Should Join Us in Houston: Inside Our Upcoming Live Event (April 10/11, 2026) appeared first on Life Success Legacy.

In this episode, the three Mikes revisit a foundational concept of Infinite Banking: banking is a process, not a product. We begin with Mike Everett going back to the basics, walking through how Nelson Nash framed this idea in Becoming Your Own Banker, and grounding it with real-world experience from working with clients in practice—not theory. Then Mike Kwong unpacks how Income Stacking through DIBS and IBC creates a powerful, repeatable system for cash flow, control, and long-term wealth building. Together, the conversation highlights why lasting financial success comes from building sound processes, not chasing products. The post Building Wealth Through Process, not Products appeared first on Life Success Legacy.

In this episode, the Mikes’ and Chris recap the LSL journey with a 2025 year-in-review conversation. Mike E takes us back to the early days of Life Success & Legacy, and together we trace the path from inception to today—and beyond. We dive into what’s ahead, our excitement around client success, and the live events coming up that we can’t wait to share. The post 2025 Recap: Looking Back, Moving Forward appeared first on Life Success Legacy.

In this episode, Chris sits down with Steve Harmon—an intentional, goal-driven person whose path into Infinite Banking wasn’t exactly smooth. Steve hit a few bumps early on, but instead of backing off, he leaned in, learned fast, and turned those lessons into a mission. Today, he’s become a trusted voice and go-to resource in the IBC community, helping others avoid the same pitfalls and implement the strategy with clarity and confidence. Steve’s story is equal parts honest and inspiring—and his purpose behind the work is the kind that sticks with you. The post Interview with Steve Harmon appeared first on Life Success Legacy.

In the second half of this powerful conversation, the script flips — and Chris becomes the interviewer! He invites Christina to share her own deeply personal story, giving listeners an inside look at the experiences, struggles, and motivations that shaped her journey. Christina opens up about the financial challenges she faced, the mindset shifts she had to make, and how discovering the Infinite Banking Concept (IBC) transformed not only her own financial path but her vision for her family’s future. She shares how she is actively using IBC to create long-term stability, flexibility, and generational wealth, and why this approach resonates so strongly with her values. It’s an inspiring, authentic, and empowering segment that reminds us how real people are using IBC every day to rewrite their financial stories — and build legacies that last. The post Interview with Christina Conover-Merrill appeared first on Life Success Legacy.

Chris Bay kicks things off with a brief history lesson on how the concept of retirement came to be and why it looks the way it does today. Then Mike Kwong and Mike Crawford jump in with real-life stories and examples that challenge the traditional idea of “retirement” and highlight what it could mean through the Infinite Banking lens. The post Rethinking Retirement appeared first on Life Success Legacy.

This episode is a special one! Chris flips the script and gets interviewed by one of our favorite clients, Christina Conover-Merrill. She dives deep into his personal journey — how he first discovered Infinite Banking, what drew him in, and how he’s used his own policies over the years. Christina doesn’t hold back — they even dig into the lessons learned from the things that didn’t go according to plan. It’s an honest, insightful, and inspiring look at what it really means to live the Infinite Banking lifestyle. The post Interview with Christina Conover-Merrill – Roles Reversed appeared first on Life Success Legacy.

In this episode, Chris, Mike C, and Mike K dive into one of the four things IBC can do—and it’s not the one we usually highlight. We’re talking passive income! Together, we break down different ways your system can work for you to help create ongoing income streams. Our resident “income stacker,” Mike Kwong, also shares insights straight from his book DIBS. Tune in—you’re bound to pick up a new idea (or two)! The post How is IBC used for Passive Income appeared first on Life Success Legacy.

In this episode, Chris sits down with Sarah Vohra, whose journey with Infinite Banking began at a surprisingly young age. Her story offers a fresh perspective on why teaching the next generation about IBC is so important. Sarah shares personal success stories and lessons learned along the way — and at only 27, she’s already making a remarkable impact. Don’t miss this conversation with someone who’s taking the world by storm! The post Interview with Sarah Vohra appeared first on Life Success Legacy.

In this episode, Chris sits down with the brilliantly goofy (and always insightful) Frank Keck! Frank shares his fun and inspiring journey with Infinite Banking, weaving in personal stories of both tribulation and triumph. Along the way, he offers powerful insights into the mindset that has shaped his personal and business life over the years — and gives us a sneak peek at his forthcoming book! Check out Core Build! The post Interview with Frank Keck appeared first on Life Success Legacy.

In this episode, Chris has the privilege of interviewing Clarke Tuitele — one of the kindest and most sincere people we know. Not only is Clarke a friend and client, but his story is one of resilience, wisdom, and deep authenticity. Tune in as he shares his incredible journey through life, investing, and IBC. It’s a rich, meaningful conversation we think you’ll truly enjoy. The post Interview with Clarke Tuitele appeared first on Life Success Legacy.

In this episode, we dive into the secret sauce of Infinite Banking. Don’t worry—it’s not complicated. So what is it? Regular monthly policy loan repayments. Yep. That’s it. That’s the sauce. Seems too easy, right? Well, remember Nelson’s principle: “Don’t steal from your system.” It’s in the top-three for a reason. Because if you can actually do it—if you can overcome the human problems—then like Nelson said: you win by default. The post Is there a Secret Sauce to Infinite Banking? appeared first on Life Success Legacy.

In this episode, Chris sits down with the one and only Teri Wilkinson! Her path to Infinite Banking — and ultimately to finding the Life Success & Legacy team — is both inspiring and unique. Teri also happens to be the namesake behind the now-famous DIBS term “Ter’i’aki”! Tune in to hear her story, her insights, and why she’s become one of our all-time favorites. The post Interview with Teri Wilkinson appeared first on Life Success Legacy.

In this episode, Chris reconnects with Winnie and Emaghea—the powerhouse team behind Cash Smart for Life. Their mission is to equip parents with the tools and confidence to teach their kids (ages 3–13) about money in a fun and engaging way. Their course is a game-changer for families ready to tackle one of life’s most important topics: financial literacy. Check out their website! cashsmartforlife.com The post Interview with Winnie and Emaghea appeared first on Life Success Legacy.

What did Nelson Nash mean when he said, “Don’t do business with banks”? In this episode, we break that down. There’s a deep-rooted frustration with traditional banking—and for good reason. Banks retain all the control, provide very little security, and profit off your money while giving you scraps in return. So why do we keep trusting them? We explore the role of banks, how they really operate, and why Infinite Banking offers a better way forward—one that puts you in the driver’s seat. If you’ve ever felt uneasy about the traditional financial system, this one’s for you. The post Banks – What Are They Good For? appeared first on Life Success Legacy.

In this episode, Chris sits down with the inspiring Toby and Kelly Whitman, valued clients from Houston, Texas. Their journey is nothing short of remarkable, and they share powerful insights and personal experiences that you won’t want to miss. Tune in for a heartfelt and uplifting conversation that highlights the real impact of Infinite Banking and our wonderful community! The post Interview with Toby and Kelly Whitman appeared first on Life Success Legacy.

In this episode, we’re answering some common questions we hear during coaching sessions—some of the same ones we had when we first started our IBC journey! If you’ve ever wondered ‘Am I doing this right?’ or ‘What happens if…?’ you’re not alone. Tune in as we break things down, clear things up, and maybe even answer a question you didn’t know you had. Let’s make IBC a little less confusing—and a lot more doable! The post Coaching Session Quick Hitters appeared first on Life Success Legacy.

The Life Success & Legacy team recently had the incredible opportunity to attend the Nelson Nash Institute Think Tank! This event brought together passionate practitioners and coaches, all dedicated to the Infinite Banking Concept (IBC). Not only did we get to learn from some of the best minds in the industry, but we also had the honor of sharing a portion of our Boot Camp—highlighting our commitment to empowering others through education. Tune in now to hear our key takeaways, insights from the Think Tank, and why continuous learning is essential for mastering IBC! The post Think Tank Recap – 2025 appeared first on Life Success Legacy.

In this episode, Chris sits down with the incredible Alejandra Perez, a longtime client with an inspiring story you won’t want to miss. Tune in and prepare to be just as impressed as we are! The post Interview with Alejandra Perez appeared first on Life Success Legacy.

In this episode, we’re answering another great audience question: What does LSL actually do—and what don’t we do? Spoiler alert: It all leads back to Nelson Nash and Becoming Your Own Banker. We’ll break down our unwavering focus on Infinite Banking, share personal stories, and discuss why we stay in our lane. Plus, we’ve got some exciting updates on our upcoming LIVE boot camps—you won’t want to miss it! The post What We Do & Don’t Do… Psst, It’s All IBC! appeared first on Life Success Legacy.

Join us for an exciting update on the state of the Life Success & Legacy team! Our commitment to Infinite Banking—both for our team and our clients—remains our top priority. In this episode, we’re sharing our plans for 2025, how we’re continuing our mission, and some exciting updates from the team. Tune in to hear what’s ahead! The post State of the Team: LSL Updates appeared first on Life Success Legacy.

In this episode, we’re tackling a question that comes up often. It’s rooted in a bit of fear and “what ifs,” but it’s an important one to address: What happens if I find myself in a negative cash flow situation? The truth is, life happens. The good news? Infinite Banking offers a ton of flexibility, and the Life Success & Legacy team is here to guide you through these situations. Take a listen—it might just ease your worries and give you the confidence to handle whatever comes your way! The post But what if I experience negative cashflow? appeared first on Life Success Legacy.

In this episode, we’re diving into the spirit of the New Year—not with resolutions, but with a powerful recentering of focus. Join us as we share our personal plans, experiences, and insights, all while exploring how to stay on course in our Infinite Banking journey. It’s a fresh start with purpose and strategy—don’t miss it! The post New Year, New Focus: Recenter Your Path with IBC! appeared first on Life Success Legacy.

Ever wondered about kid policies and their role in your Infinite Banking journey? We’ve got you covered! In this episode, we dive straight into a topic we’ve teased before: why kid policies matter, when to start them, and how they fit into your IBC strategy. Plus, we’re sharing real-life stories from our own kids’ policies to give you an inside look. It’s insightful, personal, and packed with practical tips. Tune in and join the conversation! The post What’s the deal with kid policies? appeared first on Life Success Legacy.

In this episode, we tackle a comment we hear all the time—whether it’s in our Boot Camps or our community Discord, this question seems to pop up regularly: “Do I have to be wealthy to start Infinite Banking?” Join us as we break down this common misconception, share personal experiences, and even walk you through an example using our software. If you’ve ever wondered whether Infinite Banking is only for the wealthy, this episode is for you! [powepress] The post But I have to be wealthy to start IBC… or do I? appeared first on Life Success Legacy.

Today, we get to celebrate (without roasting!) one of our absolute favorite people—the mastermind behind why each team member now has five personality test results: Chris Bay! Chris is constantly thinking ahead and challenging us to be our best, not just as a team, but for our clients too. We truly wouldn’t be where we are without his vision, and we’re so grateful for everything he brings to the table! The post The non-Roast of Chris Bay appeared first on Life Success Legacy.

Ready to take your Infinite Banking journey to the next level? In this episode, we dive into a core principle: skin in the game. We believe that when you put in the effort to meet us halfway, the rewards you’ll see will multiply. Join the team as we unpack why investing your time, energy, and commitment could be the game-changer you didn’t know you needed. Tune in—it might just be more valuable than you think! The post Having Some Skin in the Game appeared first on Life Success Legacy.

In this episode, we dive into a question raised at a recent boot camp: ‘But what if I don’t need the death benefit?’ Join us as we explore why the death benefit is a critical piece of Infinite Banking, and discover creative ways it can be used! You won’t want to miss our insights! The post But I don’t need Death Benefit appeared first on Life Success Legacy.

In this episode, the team takes a deep dive into a key question from a recent Boot Camp: Policy Loans. While we’ve touched on this topic before, this is the first time we thoroughly break down their value and explore the specific benefits of incorporating them into your IBC journey. The post Policy Loans: Deep Dive appeared first on Life Success Legacy.

Today, we have the privilege of not roasting our fearless leader and the mastermind behind Life Success & Legacy, Mike Everett! In a special podcast episode, we managed to wrangle all five remaning teammates together for this non-roast (and trust us, it was a blast). Mike’s leadership is, without a doubt, the driving force behind the incredible success of LSL. Whether it’s asking the tough questions, advocating fiercely for both clients and the team to the insurance companies, or just bringing his larger-than-life personality to the table—Life Success & Legacy simply wouldn’t be the same without him. We owe Mike a lot, and it’s clear just how much he means to us all in this episode. So, buckle up—this one’s a good one! You won’t want to miss it. The post The non-Roast of Mike Everett appeared first on Life Success Legacy.

In this episode, the team takes the opportunity to celebrate Shelley Forbis, the person who holds everything together and ensures every client is well taken care of. Many of you already know Shelley and her relentless dedication to advocating for our clients, but listen as the team shares how we wouldn’t be who we are without her. The post The non-roast of Shelley Forbis appeared first on Life Success Legacy.

In this episode, the team delves into a rarely discussed topic: policy maintenance. We start by introducing the key players and then explore important considerations to keep in mind as life moves forward. This is a good one! The post Policy Maintenance: What does that mean? appeared first on Life Success Legacy.

In this video, the team talks about the challenges of finding like-minded individuals in the Infinite Banking space. To address this, we’ve created the LSL IBC Community Discord! This community is designed to be a space where our clients can connect, share ideas, and support each other through the ups and downs of the Infinite Banking journey. If you’re interested in joining, just reach out to our team, and we’ll send you the link! The post The LSL IBC Community appeared first on Life Success Legacy.

In this episode, Chris has the pleasure of interviewing two of the LSL Team’s favorite people: Pei and Nino. They are not only valued clients and enthusiastic advocates for LSL but are also embarking on many exciting adventures of their own. Tune in to discover how you can get involved with what they’re up to! You can listen to ‘Finding Financial Fitness’ on Apple or wherever you listen! The post Interview with Pei Chen and Nino Gonzalez! appeared first on Life Success Legacy.

In this episode, Chris has the privilege of interviewing Shelley Forbis! While she prefers to stay in the background, ensuring our clients receive the highest level of care, her story deserves to be shared. Take a listen, and you’ll understand why the LSL team feels 100% blessed to have her. The post Shelley Forbis Interview! 2024 Updates appeared first on Life Success Legacy.

In this episode, we have the opportunity to non-roast our amazing team member and undisputed passive income champion, Mike Kwong! We’ve brought in Haley as an additional roaster—oops, I mean supporter. Her insights, combined with those of Mike, Mike and Chris, create a very fun and heartwarming podcast. Take a listen, and we think you’ll agree: Mike Kwong is one of the absolute best. The post The non-Roast of Mike Kwong appeared first on Life Success Legacy.

In this episode, we discuss a statement we hear all the time. “My friend says I can get cheaper whole life insurance!” Our immediate reply? Yes, you can! But it all comes down to your purpose. Listen in as we cut through the noise to show you how properly designed, dividend-paying whole life insurance can transform your financial landscape. The post My friend found high cash value Whole Life for way cheaper. Can it be? appeared first on Life Success Legacy.

In this exciting episode, Chris sits down for an insightful interview with none other than Kish Rao, one of our esteemed associate coaches! With a longstanding friendship that spans years, Kish’s journey culminated in his appointment as an associate coach in 2023. As Chris delves deep into Kish’s passion for IBC and his unwavering commitment to empowering others, listeners are treated to a wealth of wisdom and inspiration. But the conversation doesn’t end there! If you’re eager to connect with Kish or become a part of his transformative club, you’re in luck. Here’s how you can reach out to him or join his community of like-minded individuals striving for personal growth and success. Join my club: https://bit.ly/investment_club_signup Have a chat with me: https://www.meetwithkish.com The post Interview with Kish Rao! appeared first on Life Success Legacy.

In this episode, we do a follow up discussion about the 2024 Annual Think Tank. We talk about the event, the speakers, the community and more. Some of it is silly, but all of it is good. Take a listen to see why this event is and will continue to be valuable to the Life Success & Legacy team. The post Think Tank Follow Up & Takeaways appeared first on Life Success Legacy.

In this episode two Mikes and a Chris discuss the PUA. We’ve discussed the PUA a lot on this podcast, but always from the technical perspective. Mingled in with the technical, this episode provides a broader look at the PUA and even discusses some of the pitfalls that can be experienced. Take a listen. The post What’s the deal with PUA appeared first on Life Success Legacy.

In this video, the Mike’s discuss our experiences and expectations for the upcoming Think Tank. It will be the first time that the whole team has attended! The post Think Tank Preview appeared first on Life Success Legacy.

In this episode, we rewind the clock and journey back to when each of us got into IBC and what our Why was. Everett discusses the team Why and then each of us tells our personal story. Our hope is that this episode inspires current or future clients to dig into the ever so important Why. The post Looking back at our Why. appeared first on Life Success Legacy.

In this episode, the team reflects on the recent holiday season and the possible conversations that might have come up. Namely, conversations about Infinite Banking. Whether you’re an agent or a client, you might get asked what you do for a living, or maybe how you manage your money. Listen to see what the team does in these situations, and what we recommend you do! The post Want to have an engaging conversation about IBC? Start here. appeared first on Life Success Legacy.

In this episode we discuss a topic we’ve covered in a couple of different ways throughout the podcast; the wind current. However, we’ve never broken down all of the language that surrounds the phrase and how it applies to Infinite Banking! Take a listen and see if you already knew how it all works, or maybe you learned a thing or two! The post Turning the Wind Current: Outside vs Inside Debt appeared first on Life Success Legacy.

In this episode, we discuss convertible terms. We’ve touched on this topic several years ago and felt a refresher was in order. Take a listen to see how the Life Success & Legacy team coaches our clients on how to integrate convertible terms into their Infinite Banking strategy. Also, listen to some personal stories on why the team finds them so valuable. The post Convertible Terms. Why are they important? appeared first on Life Success Legacy.

In this episode, we tackle a recent Boot Camp question. Is it smarter to attack debt first, with your IBC plan, or go for passive income through investments? Take a listen to see how the Life Success & Legacy team does it personally as well as how we could coach you through the process! The post Debt or Investments? Which should I do first? appeared first on Life Success Legacy.

In this episode, the team tackles a question from our recent boot camp about different ways to implement Infinite Banking. Does it always have to be Whole Life Insurance, or can we use another product? Take a listen to see how Nelson thought about this, and how the Life Success & Legacy team coaches! We think you’ll enjoy! The post Is Whole Life the only way to do IBC? appeared first on Life Success Legacy.