31 episodes

The Infinite Banking Concept® (IBC) is privatized banking, using the private, guaranteed, and permanent cash value of a whole life insurance policy as the platform. IBC puts you 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 media about personal finance.

You'll learn the multiple and varied reasons why IBC should be part of your long-term plan and why up until now this strategy has been hiding in plain sight waiting for you to discover one of the best kept secrets in financial planning.

Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute 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!

The Fifth Edition podcast is our way to explain the IBC strategy in simple terms so you can make it real in your life!

The Fifth Edition by Infinite Banking Authorized Practitioners John Montoya, John Perrings

    • Education
    • 4.8 • 15 Ratings

The Infinite Banking Concept® (IBC) is privatized banking, using the private, guaranteed, and permanent cash value of a whole life insurance policy as the platform. IBC puts you 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 media about personal finance.

You'll learn the multiple and varied reasons why IBC should be part of your long-term plan and why up until now this strategy has been hiding in plain sight waiting for you to discover one of the best kept secrets in financial planning.

Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute 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!

The Fifth Edition podcast is our way to explain the IBC strategy in simple terms so you can make it real in your life!

    Direct vs Non-Direct Recognition Dividends

    Direct vs Non-Direct Recognition Dividends

    One of the more confusing aspects of the Infinite Banking Concept is understanding how dividends work. Nearly all the information we find on the internet on this subject is creative marketing to make you believe one type of dividend is superior to the other.
    In this episode, Infinite Banking Practitioners discuss the two different types of Whole Life participating dividends available and what matters most.
    There's a reason Nelson Nash doesn't choose a side or even mention Direct or Non-Direct Dividends in his book "Becoming Your Own Banker"... As Nelson would say:
    "Don't major in the minors!"
    To get started with Infinite Banking or ask the hosts questions, please visit www.TheFifthEdition.com.

    • 9 min
    Getting Started With IBC In Your 50s

    Getting Started With IBC In Your 50s

    "What gets us into trouble is not what we don't know. It's what we know for sure that just ain't so." - Mark Twain
    Is it too late to get started if you're now in your 50's? How can Infinite Banking help you create financial security for your retirement? We cover these topics and more in this episode of The Fifth Edition.
    For specific answers to your financial situation, schedule a strategy session by visiting www.thefifithedition.com and talk to an Authorized Infinite Banking practitioner. The best time to get started with Infinite Banking is always yesterday, but the 2nd best time is today!

    • 34 min
    Why You Need To Get Started With IBC In Your 40's, Part II

    Why You Need To Get Started With IBC In Your 40's, Part II

    This episode picks up after episode 27 "Why You Need IBC In Your 40's" to discuss how we use IBC focusing the asset accumulation side of wealth building.
    Just like the old saying, there's more than one way to skin a cat... there's no limit to how you can use Infinite Banking. Using the IBC strategy first to create and hold capital under your own control is the first step. What you do next is up to you. Take a listen and learn a little bit about how we practice what we preach.
    If you have questions or would like to know if Infinite Banking makes sense for your situation, visit www.TheFifthEdition.com to schedule a private 30 minute consultation.

    • 15 min
    How Current Events Affect IBC

    How Current Events Affect IBC

    So many current events to feed the headlines but 99.99% of the chatter is either irrelevant or dangerous to our economic health.
    One of the rarely mentioned benefits to Infinite Banking is how it brings clarity and focus to the "noise" that's all around us.
    Join us as we break down how current events shape our philosophy around IBC so you can see the noise for all it is... a distraction to divert your attention from living a peaceful and more abundant life.
    Enjoy the episode and be sure to visit www.TheFifthEdition.com to learn more about making Infinite Banking a part of your life.

    • 10 min
    Why You Need To Get Started With IBC In Your 40's

    Why You Need To Get Started With IBC In Your 40's

    This episode is probably one of our favorites because it's packed full of reasons why you should make Infinite Banking a part of your overall financial plan.
    By your 40's you've probably accumulated enough financial experience to have doubt about how viable a 100% stock market and term life insurance only approach will be come retirement.
    We'll cover the challenges people in their 40's face and what you can do to avoid the financial regret we hear from those who wish they had started when they were in their 40's. Regardless of your age, though, this episode is a must listen!
    To learn how you can get started with IBC, you can book a time to speak with the hosts at www.TheFifthEdition.com.

    • 33 min
    Getting Started With IBC In Your 30s

    Getting Started With IBC In Your 30s

    In this week's episode, we explore the importance of getting started with Infinite Banking in your 30's. At this point in life, your career is likely coming into focus but your idea of what constitutes a financial plan may be predicated on what your employer told you should do but planning for a retirement at an age when you may be starting a family and buying your first home could mean dealing with debt and other financial responsibilities that could potentially set you back a decade... unless you discover what we did about Infinite Banking in your 30's!
    It's now time to take of those kid's gloves for good and get serious about building a foundation for your money that will serve you now and for all of the stages in your life.
    Take a listen and reach out to the hosts to learn how you can get started with Infinite Banking at www.TheFifthEdition.com.

    • 43 min

Customer Reviews

4.8 out of 5
15 Ratings

15 Ratings

DJ Krazy Legz!!!! What!!! ,

It’s real

Finally some real tangible and direct information through credible practitioners. This show has given me confidence in this system. These guys break it down and truly give you the right information you need to know about this concept. I am fully bought in to this system after listening to this show.

Kailiawa ,

Great stuff

Loving this podcast series; I have a starter policy so this is great way to keep me “fresh” especially when sharing the concept with friends and family as well as keeping the more advanced concepts in “sight” for when I’m ready to take the next step!

Drace1 ,

A MUST LISTEN IN IBC!

John & John have created an exceptional podcast diving into a topic which is typically difficult to understand by yourself. They do an excellent job of staying on topic, on point, and explaining the concepts of IBC in a very easy to understand manner.

I listen to the Lara Murphy podcast and have subscribed to this podcast as it’s up there with must listens from IBC practitioners/educators. Looking forward to continued content. Keep up the excellent work.

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