Strategic Whole Life by Infinite Banking Authorized Practitioners John Montoya, John D. Perrings

Do you even *want* to get well financially?
Humans tend to reject solutions to their problems. In the book Becoming Your Own Banker, Nelson Nash talks about the problem most people face: they do not have control over their need for financing throughout their lives.
If there is a solution to this problem, can you think of any reason not to embrace it or, at minimum, to make some effort to understand it?
Embrace the solution, friends!
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EPISODE HIGHLIGHTS:
(00:18) Humans Have a Tendency of Rejecting Solutions to Problems
(01:12) Asking the Right Questions
(01:21) The Value of Whole Life Insurance
(01:52) Do You Want to Get Well, Financially?
(02:37) Embracing the Solution: Whole Life & IBC
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LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
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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 from 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 Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
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Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
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ONLINE COURSE:
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:
IBC MASTERY

Buying things based on interest rates alone can be a big problem. We seeing the proof of that right now in the commercial real estate market where owners having to refinance at higher rates is causing fire-sales pretty much across the board.
It's also true with other asset classes like whole life insurance. Sometimes people will pass up whole life because they think they can get better rates on either growth or loans somewhere else.
But one thing we know is true: Rates change. People who passed on whole life 5 years ago because bank rates were lower are kicking themselves now that bank rates have gone up!
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EPISODE HIGHLIGHTS:
(00:22) Understanding Rates and Whole Life Insurance
(01:23) The Misconception of Rates in Financial Decisions
(02:25) A Good Decision About Rates Now Can Be a Bad One Later
(04:10) The Benefits of Whole Life Insurance Beyond Rates
(12:30) Policy Loan Rates Explained
(20:33) The Importance of Control Over Financing
(20:45) Time Preference and Financial Planning
(24:07) Recommended Reading on Interest Rates
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LINKS:
Get in touch: SCHEDULE A CONSULTATION
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 from 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 Silicon Valley's startup world, 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 to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
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:
IBC MASTERY

Be sure to check the link below for additional resources in this episode!
This week, we discuss the almost unreal financial potential of saving money. Yes, saving money.
In today's world of unicorn startups, crypto, and all-time-high bull markets, saving money can sometimes seem like a wasted effort.
We're here to show you that good, old-fashioned money saving might soon be viewed as the next "hack" to gaining financial freedom. Contrary to popular opinion, it's incredibly powerful and not as hard as you think.
Also - check out this video to see how saving at 4% beats investing at 10% 🤯
Your Maximum Financial Potential
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EPISODE HIGHLIGHTS:
(00:38) We all have a savings problem - and it's not what you think
(01:17) Silicon Valley has a BIG savings problem - and it is what you think
(04:44) High time preference - "Keeping up with the Joneses"
(14:10) Parkinson's Law and burn rate
(17:24) The Infinite Banking Concept - a strategic solution to saving
(26:29) Creating a wealth coordination account to turn savings upside down
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LINKS:
Get in touch: SCHEDULE A CONSULTATION
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 from 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 Silicon Valley's startup world, 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 to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
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:
IBC MASTERY

This week, we talked to a real client, Ian King, who has an impressive professional life. Ian works full-time in enterprise tech but is also a business owner and successful real estate investor.
Ian talks about how, by ditching his ego and focusing on capitalizing (Infinite Banking) first rather than rushing to own more real estate "doors," he has become a much more discerning investor.
Ian King on LinkedIn
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EPISODE HIGHLIGHTS:
(03:02) The process of learning IBC
(09:12) 1:1 equity transfer from real estate to whole life
(15:10) Margin call! Learning from mistakes in accessing capital
(22:00) The power to turn down deals because of IBC
(40:55) Addressing common hang-ups with Infinite Banking
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LINKS:
Get in touch: SCHEDULE A CONSULTATION
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 from 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 Silicon Valley's startup world, 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 to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
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:
IBC MASTERY

After publishing our 100th episode last week, we thought we'd take it back to basics for episode 101 and provide an "IBC 101" episode. Ten things you should know when getting started with The Infinite Banking Concept®.
Join us as we discuss a list John Montoya created over a decade ago. It was no surprise to us that all 10 points are still applicable today. That's how principles work!
Whether you're brand new or an IBC veteran, trust us: there will be something here for you.
EPISODE HIGHLIGHTS:
(01:24) Unlocking the Power of Guaranteed Cash Value
(03:42) Maximizing Your Policy's Early Years: The IBC Strategy
(06:32) The Magic of Paid Up Additions Rider
(10:47) Dividends: The Icing on Your Financial Cake
(15:43) Uninterrupted Compounding: The Financial Unicorn
(19:58) Accessing Your Money: The Smart, Dumb, and Sad Ways
(23:51) Taking Control with Policy Loans
(30:02) Whole Life vs. 401ks and IRAs: Understanding Your Options
(33:30) Expanding Your Funding Capacity with Whole Life Policies
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LINKS:
Get in touch: SCHEDULE A CONSULTATION
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 from 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 Silicon Valley's startup world, 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 to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
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:
IBC MASTERY

In the 100th episode of the Strategic Whole Life Podcast, hosts John Montoya and John Perrings bring together two of their best clients, Declan Wilson, owner of Bannside Construction, an SF Bay Area general contracting company, and Brant Scheifler, CEO of Automatic Outreach, a North Carolina SEO company, to share their experiences with The Infinite Banking Concept (IBC).
We talk about how they discovered IBC, its impact on their financial strategies, and how IBC's flexibility and security have facilitated personal and business financial growth.
We hear their real, personal accounts about how whole life insurance has "saved their bacon" (and their businesses) on multiple occasions by providing liquidity when they needed it most.
EPISODE HIGHLIGHTS:
00:00 Welcome to the 100th Episode Celebration!
00:42 Introducing Our Special Guests: Declan and Brant
01:12 Declan's Journey with Infinite Banking Concept (IBC)
07:05 Brant's Path to Discovering IBC
10:38 Addressing Misconceptions and the Power of IBC
19:45 Real-Life Benefits of Practicing IBC
35:04 Advice for Newcomers to IBC
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LINKS:
Get in touch: SCHEDULE A CONSULTATION
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 from 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 Silicon Valley's startup world, 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 to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
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:
IBC MASTERY