Browse educational articles and blog posts from Reformed Finance
IBC Policy Design: Form Follows Function
IBC Policy Design should maximize capital accumulation without triggering MEC status. Base-to-PUA ratio, dividends, and term riders all determine the…
Dividends in Whole Life Insurance: More Than a Return of Premium
A whole life dividend is a return of premium—and your share of company profits. Here’s how dividends work, what direct…
The Truth About Whole Life Insurance: Cash Value, Dividends, and What Critics Get Wrong
Whole life insurance cash value is the present value of a guaranteed future death benefit — not a side account….
How Churches Can Use the Infinite Banking Concept
Churches can use the Infinite Banking Concept to provide for their pastor, finance expenses, and give generously—with unique advantages other…
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?
Lies and Rates of Return: Why Rate of Return Is Not an Interest Rate
Rate of return and interest rate are not the same thing. Conflating them produces dangerously wrong projections of future wealth….
Sinking Fund, Lost Opportunity: The Hidden Cost of Paying Cash
Paying cash avoids a loan — but not the cost. Here’s why the sinking fund method carries a hidden opportunity…
The Power of Compounding Interest
Compounding Interest has been called the “most powerful thing in the world.” It’s power can work for or against you,…
Who Controls the Banking Function
Conventional finance doesn’t address the real problem: Control Of The Banking Function
Is TradFi really traditional? The History of 401(k)s, Roth IRAs, and Conventional Finance
“Traditional Finance” is not traditional. There is an older more efficient way to finance your life.
Reformed Finance is more than a name
Our financial system is broken, it is not designed to work for us. It needs to be Reformed.
Lessons Learned from my search for IBC
Vetting IBC takes time. These are the lessons I’d give anyone exploring the Infinite Banking Concept — from reading Nash’s…
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