The Myth of Self-Insurance: Why You Can’t Insure Your Own Life
Self-insurance isn’t insurance. It’s risk retention, and when a life is lost, the family left behind pays the cost. Here’s why the plan fails.
The Financial Foundation Modern Planning Skips
Modern financial planning treats investing as the start of wealth-building. It should come after you’ve built an accessible working capital reserve.
Debt, Stewardship, and the Banking Function
A debt-free household can still be quietly consuming its own future. Scripture shows us the obligation most people never see.
Gary North Is Wrong About Whole Life Insurance and the Infinite Banking Concept
Gary North’s critique of whole life insurance and Infinite Banking was influential—but flawed. Ryan Griggs explains what North got wrong.
IBC Gimmicks: Secret of the Wealthy
IBC is not how the wealthy got rich — it is how they preserved wealth. Controlling the banking function is available to any family, at any income level.
IBC Gimmicks: Is IBC Just Wash Loans?
IBC is not about wash loans or arbitrage. It’s about controlling the banking function—and why the wash loan claim misreads whole life mechanics.
IBC Gimmicks: Do You Have to Repay an IBC Policy Loan?
No, you don’t have to pay policy loans back. But that is short term thinking and stealing from yourself.
IBC Gimmicks: Can You Make Money Buying Cars?
You cannot make money buying a car — even with IBC. Here’s what the concept actually does: preserve opportunity cost. Here’s honest explanation, with the math.
IBC Gimmicks: Do You Recapture Interest? What It Actually Means
“Recapture interest” doesn’t mean you keep the interest. Here’s what the phrase actually means in the Infinite Banking Concept.
The Sins of Our Financial System: Fiat Money, Usury, and the 8th Commandment
Fiat money, fractional reserve banking, & inflation violate the 8th Commandment. Here is what the Westminster Divines say about the sins of our financial system.
Fiat Money, Fractional Reserve Banking, and Inflation: A Christian Analysis
Fiat money has no commodity backing, fractional reserve banking creates money from nothing, and inflation steals purchasing power. Here is how the system works.
Truth, Not Marketing: A Point-by-Point Response to Policy Genius on IBC
In a 2022 post, Policy Genius claims to tell the truth about Infinite Banking. But do they?