Your Emergency Fund Doesn’t Have to Live in a Bank
A savings account isn’t the only place for reserves. Compare growth, taxation, and death benefit protection between savings and whole life insurance.
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: 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 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. Here’s what the critics get wrong, and why.
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?
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 cost that IBC eliminates.
Who Controls the Banking Function
Conventional finance doesn’t address the real problem: Control Of The Banking Function