The Fifth Edition by Infinite Banking Authorized Practitioners

The Fifth Edition by Infinite Banking Authorized Practitioners

John Montoya, John D. Perrings

The Infinite Banking Concept® (IBC) is privatized banking, using the cash value of a whole life insurance policy as the platform. Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute, dedicated to educating consumers about Infinite Banking. Listening to this podcast, you'll learn about life insurance, cash value, dividends, policy loans, policy design, and more. Most importantly, you'll learn how IBC puts you back in control of your money so you can keep it, grow it, and pass it on without taking any of the unnecessary risks that you otherwise get when you listen and follow the mainstream advice about personal finance. The podcast title, "The Fifth Edition," is a tribute to the final print edition of Nelson Nash's book, "Becoming Your Own Banker," before his passing in 2019. The Fifth Edition podcast is our way to carry on Nelson's mission by explaining The Infinite Banking Concept® in simple terms so that you can make it real in your life!

Categories: Education

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Main Episode Description

In this insightful episode, John Montoya discusses one of the more nuanced elements of Whole Life Insurance: policy loan interest.

Often overlooked, understanding this component is crucial for those practicing the Infinite Banking Concept ™.

We start with a simple truth: There is no such thing as a free lunch!

John unravels how policy loan interest is calculated and sheds light on the importance of being an 'honest banker'. Questions arise: Should you always lean on policy loans? If so, how should they be paid back? And what about paying "extra" interest?

This episode is not just about understanding the charges but also about mastering the art of cash flow and ensuring all parties—policyholders and insurers alike—remain profitable. Whether you're a seasoned Infinite Banker or new to the world of Whole Life Insurance, this is an essential guide to ensuring your policy works optimally for you.




Online Course: IBC MASTERY


About Your Hosts:

Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!

John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.

John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.


Connect with us

Get in touch if you'd like to see how to apply these principles to your specific situation. Schedule a free, no-obligation 30 minute consultation with us today!



Stop wasting hours on YouTube, trying to piece together the information you want regarding The Infinite Banking Concept®.

Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:


Previous episodes

  • 74 - 74: Navigating Policy Loan Interest: The Honest Infinite Banker's Guide 
    Fri, 22 Sep 2023 - 0h
  • 73 - 73: Financial Evolution with Trent Fortner: From Capital Needs to Infinite Banking 
    Fri, 15 Sep 2023 - 0h
  • 72 - 72: Inside Infinite Banking: David Stearns Distinguishes the Authentic from the Superficial 
    Fri, 08 Sep 2023 - 0h
  • 71 - 71: Finding Your "Why." 9 Reasons You Should Practice IBC 
    Fri, 01 Sep 2023 - 0h
  • 70 - 70: When to Get Started with Infinite Banking 
    Fri, 25 Aug 2023 - 0h
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