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

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition).
Episode 84 of the Strategic Whole Life podcast, "Beyond the Rate of Return: A Strategic Approach to Wealth Building." John Perrings challenges the conventional obsession with returns in financial planning.
Drawing from his construction and finance experience in the data center industry, John uncovers why savvy institutional investors prioritize control and risk management over mere rate of return.
Go through the financial lifecycle of an average investor, revealing how focusing on expense management and efficient use of resources can lead to more sustainable wealth growth than chasing volatile returns.
EPISODE HIGHLIGHTS:
00:00 Introduction and Podcast Rebranding
00:18 Episode Overview: The Rate of Return Race
01:04 Financial Insights from the Data Center Business
02:10 Understanding Institutional Investors' Priorities
03:52 The Financial Journey of a Typical 35-Year-Old
05:56 The Impact of Taxes and Debt on Personal Finance
08:08 The Illusion of High Rate of Return
08:59 The Importance of Controlling Money Outflow
11:09 The Money Race: Tortoise (Banking) vs. Hare (Investing)
11:39 The Power of Capitalizing Before Investing
14:28 The Infinite Banking Concept: A Platform for Recycling Money
14:42 Conclusion: Moving Away from Rate of Return Focus
15:15 Look Below for Our Online Course
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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 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.
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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!
----
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

ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below.
In Episode 83, host John Montoya interviews Doug McKenzie, a new Infinite Banking Concept (IBC) practitioner, to explore his transition from a traditional financial mindset to embracing IBC. Doug shares his initial skepticism about whole life insurance and how his quest for more efficient financial strategies led him to IBC. The episode delves into Doug's personal experiences with IBC, emphasizing the peace of mind and control it brought into his life, especially in managing unforeseen expenses and life transitions.
The discussion pivots to Doug's decision to become an IBC practitioner, highlighting the rigorous training and mentorship process he underwent through the Nelson Nash Institute. He stresses the importance of proper education and guidance in the field and how these have been crucial in building his confidence and expertise. Doug and John discuss common misconceptions they encounter, such as viewing policy premiums as an expense rather than a form of saving and the challenge of shifting perspectives from traditional investment vehicles to the holistic benefits of IBC.
As the episode concludes, Doug offers insights for those considering IBC, emphasizing the need to appreciate its unique risk profile and asset class. His personal journey from a listener to a practitioner serves as an inspiring example for anyone looking to transform their financial approach and help others do the same.
EPISODE HIGHLIGHTS:
00:38 Guest Introduction: Doug McKenzie
01:12 Doug's Journey to IBC
04:13 Overcoming Misconceptions about IBC
05:55 The Impact of IBC on Doug's Life
09:20 The Decision to Become an IBC Practitioner
12:01 The Process of Becoming an IBC Practitioner
21:07 Challenges and Tips for New IBC Practitioners
25:31 Conclusion and Contact Information
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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 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 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

ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below.
In Episode 82, we welcome Todd Langford, creator of the Truth Concepts software, for an enlightening conversation on the complexities of financial math and the misconceptions surrounding whole life insurance. Todd shares his journey from biology to finance, highlighting the significant role of advisors in demystifying financial strategies. In our talk, we tackle common misunderstandings in financial calculations, especially with interest rates. Todd debunks myths about the returns of whole life insurance, illustrating its crucial role in a well-rounded financial portfolio.
This episode delves deep into the concept of 'certainty assets' like whole life insurance, emphasizing their importance in ensuring financial stability, especially in uncertain economic times. We also explore the intricacies of policy design in life insurance and the impact of strategic decisions on long-term financial planning. Todd’s insights on real estate investing, legacy planning, and the importance of long-term planning provide listeners with a comprehensive understanding of how to plan for the future effectively. Join us for this informative session that promises to reshape your perspective on finance and investment.
EPISODE HIGHLIGHTS:
[00:00:47] Introducing Todd Langford - A mentor in the financial industry and founder of Truth Concepts software.
[00:02:00] Todd’s Unique Journey - From biology to finance and his transition into the financial industry.
[00:03:01] The Quality of Advisors - Todd discusses the unique group of advisors within the financial services business.
[00:05:11] The Role of Advisors - Importance of financial advising beyond mere mathematics.
[00:06:11] Misinformation in Financial Math - Addressing common misconceptions and errors in financial calculations.
[00:07:24] Mortgage Interest Misunderstandings - Debunking typical mortgage payments and interest rates myths.
[00:09:00] Understanding Policy Loans and Interest Rates - Todd explains the importance of perspective when borrowing and repaying loans.
[00:12:19] Whole Life Insurance Returns - Discussing the misconceptions about the returns on whole life insurance compared to other investments.
[00:14:34] Whole Life Insurance as an Asset Class - Explaining why whole life insurance should not be viewed solely as an investment.
[00:17:20] Certainty Assets and Life Insurance - The necessity of having certainty assets like whole life insurance for financial stability.
[00:20:17] The Role of Cash Reserves in Business - How companies like Apple use cash reserves effectively.
[00:23:42] Policy Design and Trade-offs - Understanding the trade-offs in policy design for whole life insurance.
[00:29:55] Insurance Company Risks and Policy Design - Discussing how insurance companies manage risks with policy designs.
[00:34:53] Real Estate Investing and Opportunity Costs - Addressing the focus on opportunity cost in real estate investments.
[00:37:22] Legacy Planning and Business Transitions - The importance of considering future business and legacy planning transitions.
[00:39:59] Long-Term Financial Planning - Emphasizing the importance of long-term planning over short-term gains.
[00:41:46] Life Insurance Paired with Other Assets - How life insurance can enhance other investment assets.
[00:43:36] Contact Information for Todd Langford - Details on connecting with Todd and learning more about Truth Concepts.
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LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your...

ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below.
Welcome to the final installment of our transformative series, "IBC First Principles: Mastering the Basics of Privatized Banking, Part 3."
In Episode 81, we bring our three-part series to a close by examining principles 8 through 10. We discuss:
The unparalleled value of storing cash in a whole life insurance policyThe empowerment of financial self-sovereignty andThe critical importance of long-range thinking in today's instant-gratification culture.
Discover how leveraging the strength of top mutual life insurance companies can maximize your dollars, how having accessible capital can bring opportunities to your doorstep, and why the long-range view offers a safer, more stable financial future. Tune in and learn why you should embrace these timeless principles that can solidify your financial independence.
KEY MOMENTS:
01:05 Principle 8: Park Wealth for Maximum Economic Value - Your money should reside somewhere it can do multiple jobs for you simultaneously.
12:19 Principle 9: The Golden Rule - "He who has the gold makes the rules." Do you really have control over your assets?
22:59 Principle 10: Think Long Range - In today's culture of "hacks" and "FOMO," this might be the most crucial principle on this list.
----
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 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 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

ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below.
Episode 80: Dive into Part 2 of the enlightening "IBC First Principles: Mastering the Basics of Privatized Banking." This segment unpacks principles 4 through 7, shedding light on the journey of your money and the importance of where it resides.
We'll explore why whole life insurance is not just a financial tool but a private innovation crafted to empower individuals and how it aligns with the principle that your financial solutions should improve annually, just as you do. Plus, we debunk the myth of wasted dollars in whole life insurance, illustrating how every cent contributes to building lasting value.
Join us for another empowering session that will deepen your understanding and commitment to the Infinite Banking Concept.
KEY MOMENTS:
00:02 Introduction and Welcome
00:20 IBC First Principles, Part 2: Money Must Reside
Somewhere
01:21 The Importance of Liquidity and Control
02:22 The Efficiency of Whole Life Policies
05:10 The Power of Pooling Capital
06:39 Whole Life as a Private Invention
07:08 The Importance of Personal Responsibility
09:43 The Pitfalls of Relying on Government
13:01 Getting Better Every Year
18:57 No Dollar is Wasted
25:43 Whole Life as an Asset
28:14 Conclusion and Next Steps
----
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 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 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 Part 1 of our 3-part series "IBC First Principles," we analyze some core concepts that make up The Infinite Banking Concept (IBC). In this episode, we discuss the first three of ten "first principles":
Learn how understanding traditional financial systems empowers you to take control of your money ("If you know what's going on, you'll know what to do").Discover the principle of "one pool of money" and the transformative power of cash flow over cash amount.Finally, grasp why "banking is the most important business in the world" and how becoming your own banker can change your financial life. Tune in and lay a strong foundation for your financial journey.
KEY MOMENTS:
00:01:00 - Understanding the Importance of Infinite Banking
00:03:07 - The Flaws of Traditional Banking Systems
00:05:41 - Valuing Financial Freedom
00:06:29 - Becoming an Insider
00:09:10 - The Problem with Fractional Reserve Banking
00:16:21 - The Illusion of Control in Real Estate
00:17:25 - The Importance of Weathering Financial Storms
00:18:34 - Opportunity Cost and Liquidity
00:20:27 - Banking as a Higher Order Operation
00:25:35 - Banking as the Most Important Business
----
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 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 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