Debt Elimination: Stop Feeding the Interest Machine
Become Your Own Banker
The average American family pays more in interest over their lifetime than they accumulate in retirement. Banks profit whether markets go up or down. What if you could recapture that interest for your own family?
The Hidden Wealth Transfer
Where Your Money Actually Goes
On a $400,000 mortgage at 7%, you'll pay over $558,000 in interest alone. That's wealth transferred from your family to the bank's balance sheet.
| Debt Type | Principal | Interest Paid |
|---|---|---|
| Mortgage ($400K @ 7%) | $400,000 | $558,000 |
| Car loans (lifetime) | ~$200,000 | $100,000 |
| Credit cards | Variable | $50,000+ |
| Other financing | Variable | $50,000 |
| Total Interest Paid to Banks: | $758,000+ | |
The Solution
The Infinite Banking Concept (IBC)
Developed by Nelson Nash, IBC allows you to 'become your own banker' using properly structured dividend-paying whole life insurance policies.
Fund a Properly Structured Policy
Not a typical life insurance policy—one designed for maximum cash value growth and minimum death benefit.
Access Cash Value via Policy Loans
Borrow against your policy's cash value while it continues to earn dividends and grow uninterrupted.
Pay Yourself Back
Instead of paying interest to a bank, you pay it back to your own policy, where it compounds for your benefit.
Repeat the Cycle
As your cash value grows, your borrowing power increases, creating a self-perpetuating wealth system.
The Key Insight: When you borrow from a bank, the interest goes to them. When you borrow against your policy, the interest goes back into YOUR system.
The Four Strategies
Debt Elimination Approaches
Infinite Banking (IBC)
Establish a max-funded whole life policy and use policy loans for major purchases, business opportunities, or debt consolidation.
Policy Loan Strategies
Use policy loans to consolidate high-interest debt while your principal continues growing. Create arbitrage between loan rate and policy growth.
Debt Snowball Acceleration
Traditional snowball method accelerated with IBC integration. Attack smallest debts first, roll payments forward, inject policy loans strategically.
Interest Recapture Systems
Identify all interest payments leaving your family and redirect them internally. Use business cash flow to fund policies that finance operations.
The Math
Becoming Your Own Banker
Traditional Path
Infinite Banking Path
"When you understand that banks use your money to make more money, you realize you can do the same thing."
Who Benefits Most
Debt Elimination by Profession
Airline Pilots
Predictable cash flow = systematic IBC funding
Physicians
Policy loan consolidation saves hundreds of thousands on student loans
Business Owners
Finance equipment, inventory, expansion internally
Real Estate Investors
Finance down payments, avoid traditional lending friction
Near-Retirees
Consolidate remaining debt, create guaranteed income
Implementation
Getting Started with Debt Elimination
Debt Inventory
Catalog all debts, rates, payments
Cash Flow Analysis
Determine funding capacity
Policy Design
Work with IBC specialist
Implementation
Years 1-3: Build foundation
Optimization
Ongoing management & reviews
Questions
Common Questions About Debt Elimination
Infinite Banking isn't a new concept—it's been used by wealthy families for over 200 years. We help you implement it properly.
Ask Your QuestionReady to Become Your Own Banker?
Schedule a complimentary Debt Strategy Session to discuss your specific situation. See exactly how much interest you're currently sending to banks—and how to recapture it.