Infinite Banking Mastery

Valerie LaRoque
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Having a safe and secure retirement feels impossible today. With inflation, higher taxes, volatile stock, and property markets, it's overwhelming, isn't it? And the banks and government aren't going to help you. We all know this. That's the bad news. The good news? You can live a debt-free life and retire with a sizable nest egg. In fact, this is easy — so long as you don't rely on the government and the banks. Valerie LaRoque, your host, is an authorized IBC Practitioner (with the Nelson Nash Institute).. Listen to the Infinite Banking Mastery podcast where you will discover the power of the Infinite Banking Concept (IBC). Grow a tax-free pool of cash. Take full control over your financial future. And most importantly, build your legacy.

  1. Are There Penalties for Accessing Your Policy Cash Value?

    11 HRS AGO

    Are There Penalties for Accessing Your Policy Cash Value?

    If you're new to the Infinite Banking concept you might think accessing your Whole Life insurance policy's cash value works just like conventional retirement accounts: Penalties for early withdrawal, required distributions, surrender charges and more. But it doesn't work that way. The truth is: it's a breeze! In fact, IBC looks even better when you understand how conventional retirement accounts really work, and the built-in features that work great for the government and advisors, but don't always work great for you. I'll explain it in this episode, and "show my work" with clear examples. I'll also share how to easily safeguard your Whole Life policy against the one mistake that could undermine its advantages. Listen now! Show highlights include: Disastrous Whole Life mistake that's like kryptonite to your policy's superpowers. (1:30) Common misunderstanding about retirement plans and taxes that decimates your spending power when it's time to withdraw funds. (2:35) Eye-opening thought exercise that forever changes how you look at your retirement account balance. (3:32) How runaway government spending threatens your retirement income, and why your retirement account renders you defenseless to stop it. (4:49) What you don't know about retirement income that could force you to work in your golden years. (6:44) "Termite effect": How retirement account fees nibble away at your account value. (8:48) What actually happens if you leave your IRA to your children when you die. (10:33)   Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

    15 min

  2. FEB 5

    How IBC Can Solve Your Biggest Problem

    Through the years I've talked to clients, heard stories, and learned from other agents. Through it all, the biggest financial problem is the same for everybody: You need to be in control of more capital. For most people this is "easier said than done." But in this episode I'll show you how properly using the Infinite Banking concept helps you solve this challenge.  You'll also learn how to set yourself up to meet your short-term goals without compromising your financial future. Listen now! Show highlights include: Why thinking like a forester helps you equip your family for generational wealth. (1:15) The toxic belief that prevents most people from maximizing the benefits of life insurance. (3:37) How to balance short-term money goals without compromising big-picture IBC benefits. (4:48) Surprising reason to prefer a more-expensive Whole Life policy. (5:32) Liberating effect IBC has on the world's biggest economic problem. (11:39) Nelson Nash's "Two Business" advice for financial freedom. (13:11) Hidden truth about financing that will help you stop wasting money. (13:32) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

    16 min

  3. JAN 29

    Encore: Keepin' It Tax Free

    Your savings can be taxed if you set your life insurance up incorrectly. Simply put, when you deposit "too much" into a life insurance policy, you create a "Modified Endowment Contract" (MEC.) So, what are the disadvantages of a MEC? Any gains you make in your policy will be taxed at your individual tax rate upon withdrawal There's a 10% early withdrawal penalty if you try to take out before 59.5 Because of the 10% penalty, your money is less accessible Worst part? Once your policy has been established as a MEC, it's impossible to overturn. So, how do we avoid converting our policy into a MEC? In today's episode, you'll discover how to make sure your policy remains tax free forever. Listen now! Show Highlights Include: How converting your policy into a "MEC" forces you to pay income tax on the growth of your savings (1:03) How the same death benefit can cost you either $50 a month or $200 a month (and how to make sure only pay $50) (4:59) How to avoid paying any extra fees when investing in a whole life insurance policy with "paid up additions" (6:06) Why shrinking your policy's death benefit legally allows you to receive a higher payout when you retire (11:15) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

    15 min

  4. JAN 22

    Encore: Borrowing Against Your Policy

    If you're not using your money to make money, someone else is. While you think your money is safe in the bank, they're loaning it out — at interest. This is how they make their real money. But, what if you were able to cut them out… And become your own bank? With a whole life insurance policy, you can! When you become your own bank, you can: Earn interest on the amount of money you're spending Eliminate pesky inflation And borrow against your savings, purchasing rental properties and other cash producing investments (without spending a cent of your own money), or paying off debts to outside banks Sounds pretty good, right? Well, in today's episode… You'll discover how to build a financial empire by becoming your own bank. Listen now! Show Highlights Include: Why saving like an entrepreneur unlocks financial freedom when you retire (5:59)  How to get $100K to purchase a rental property (without spending any of your own money) (9:39) Scared of credit card debt? Here's how to start earning "interest" on every penny you have (11:13) The "Paid Up Additions" secret to transform a "boring" life insurance policy into a money making powerhouse (13:53) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

    19 min

  5. JAN 15

    Encore: Keep Your Money in Motion

    Banks are the biggest hypocrites. They, and many financial gurus, like Dave Ramsey, convince you to amass a large fortune and then let it sit.  Yet banks do the complete opposite of what they tell you. They make their money by loaning out your savings to other people, all while earning interest. And the reason why they tell you to leave your money in the bank? So they can put your money in motion and make profits on it themselves! Why not take these actions yourself? Why don't you start to put your money in motion, and start earning interest like the banks do? In today's episode, I show you how to use other people's money to infinitely create more cash flow — this method is approved by the banks and Robert Kiyosaki. I also show you the bizarre way to take out a $100K loan — without plunging yourself into $100K of debt.  Listen now! Show Highlights Include: How to replenish your life insurance loan by setting up an "ETF" (no, not Exchange Traded Fund) (3:49) How much should I save so that I can feel more secure about my retirement years? (4:38) How to use other people's money to infinitely create more cash flow, as well as recycle your own money (all approved by Robert Kiyosaki) (9:16) How your $100K can be doing two things at once. (10:02) Why you only have 13 and a half years of your life to touch your own money—without penalty—because of a bloated federal government (13:03) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

    21 min
  6. Encore: Money We are Willingly Handing Away

    JAN 8

    Encore: Money We are Willingly Handing Away

    Do you ever sit and burn $20 bills? If you don't, you may as well, because right now the banks are legally taking 34.5% of your take home earnings in pure interest.  This interest isn't to pay down your mortgage, your car loan, or your student debt. It's to fill the greedy coffers of ultra rich bankers. Think I'm being hyperbolic? I purchased my home for $377,988 — amortized over 30 years. With an interest rate of ~6.7%, that means $483,238 is going to the bank in interest by the end of the 30 years.  Worst part? The banks don't sit there and wait for me to give them $483,283. They're making interest on the payments the whole time, and are more likely to make close to $1.8M in profit off my $377,988 purchase! That's the bad news. The good news? In today's episode, I share how to stop handing away 34.5% of your savings to the banks. I also show you how to take out $100K and pay no interest for an entire year — without receiving any penalties.  Listen now! Show Highlights Include: How to avoid losing a single penny to the banks as explained by a former pilot (4:40) How to take out a $100K loan and pay no interest for an entire year (without receiving any penalties or the repo trucks coming for you!)  (8:09) Why refinancing your home within the first 10 years causes you to pay WAY more in interest (12:02) The insidious way you're actually paying 50% more for your home than you realize (and how to stop overpaying for it) (13:21) How the banks earn $1.8M in interest on a $377K house (and how to protect your money from greedy bankers) (15:41) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

    18 min
  7. Encore: What is Fractional Reserve Banking?

    JAN 1

    Encore: What is Fractional Reserve Banking?

    How nice would an extra million dollars sound? And imagine if you didn't have to work harder, smarter, or even work at all to get it. Well, this does exist! But I don't recommend you try doing it, because you'll cop a whopping 20 year prison sentence. But if your name is Bank of America, JPMorgan Chase, Wells Fargo, Citigroup, or Goldman Sachs, then go for gold!  That's right, the banks do this every single day. They do it so much that a huge amount of our currency supply is created out of thin air by these guys.  Best part? They don't go to prison, but if you did it, you'd be in prison! And it's all possible thanks to the concept known as "Fractional Reserve Banking." In today's episode, you'll discover the madness behind this concept, as well as how to protect yourself from this corrupt system.  If you haven't heard of "Fractional Reserve Banking" before, strap in — it's going to be a wild ride! Listen now! Show Highlights Include: How banks drain your buying power by loaning out more money than they receive (yes, they do, and no, it's not illegal… in fact, it's cheered on by our government) (0:49) Why the FDIC won't be able to protect your savings in an economic collapse because of their "1 Percent" secret (2:45) The insidious "Unsecured Creditor" law that means you will be bailing in the banks in the next financial crash (whether you like it or not) (5:00) How every dollar in your savings account becomes $10 available for loans and investments (7:37) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

    13 min
  8. Encore: How Banks Make Money

    2025-12-25

    Encore: How Banks Make Money

    Have you ever wondered why there's a maximum withdrawal limit at the bank? They'll often tout it as "stopping criminals from laundering money." But the reality is this: They don't have much money in the actual bank! What do I mean? The primary way banks make money is by lending out YOUR money. Banks only need to keep about 10% of deposits on reserves.  So when you make a deposit, they loan out your money (and then some!) and earn their profit by charging interest.  The only reason why this has worked is because the banks know 90% of all savings are untouched by the public — they don't take their money out, they leave it in the bank. But this was one of the causes of the Great Depression. The public were scared of a market crash, decided to take out all their money as the banks weren't safe anymore, and they were told… There was no money left! But there is a way to be free from this madness. In today's episode, I reveal "The Family Banking System", which allows you to recapture the interest you're losing to banks. Listen now! Show Highlights Include: Why the banks are legally allowed to take your money and then sell it back to you (and make a handsome profit) (0:56) Our banking system would collapse if everyone withdrew their money all at once. It's known as fractional reserve banking, and you can learn how it started at (1:21) How banks make a profit off every single transaction you make with the "3 Circle Exercise" (5:04) Why Bank of America gets away with a 16x return on investment on YOUR savings (6:29) How to take out a loan with a terrible FICO credit score (8:18) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

    12 min
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About

Having a safe and secure retirement feels impossible today. With inflation, higher taxes, volatile stock, and property markets, it's overwhelming, isn't it? And the banks and government aren't going to help you. We all know this. That's the bad news. The good news? You can live a debt-free life and retire with a sizable nest egg. In fact, this is easy — so long as you don't rely on the government and the banks. Valerie LaRoque, your host, is an authorized IBC Practitioner (with the Nelson Nash Institute).. Listen to the Infinite Banking Mastery podcast where you will discover the power of the Infinite Banking Concept (IBC). Grow a tax-free pool of cash. Take full control over your financial future. And most importantly, build your legacy.

Information

  • Creator
    Valerie LaRoque
  • Years Active
    2022 - 2026
  • Episodes
    161
  • Rating
    Clean
  • Copyright
    © Copyright 2022-2026
  • Show Website
    Infinite Banking Mastery

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