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# Reformed Finance

Reform Your Banking, Reform Your Life

## Sitemaps

- [XML Sitemap](https://reformedfinance.net/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Reformed Finance is More Than a Name](https://reformedfinance.net/articles/reformed-finance-is-more-than-a-name/) - Reformed Finance is more than a name-it comes from the Reformed tradition informing a conviction that Christian finance must be rebuilt on a biblical foundation
- [Lies and Rates of Return: Why Rate of Return Is Not an Interest Rate](https://reformedfinance.net/articles/lies-and-rates-of-return/) - Rate of return and interest rate are not the same thing. Conflating them produces dangerously wrong projections of future wealth. Here's the difference.
- [The Financial Foundation Modern Planning Skips](https://reformedfinance.net/articles/the-financial-foundation-modern-planning-skips/) - A working capital reserve, not a bare emergency fund, is the real financial foundation. Build it before you invest, or you'll borrow to live.
- [The Sins of Our Financial System: Fiat Money, Usury, and the 8th Commandment](https://reformedfinance.net/articles/the-sins-of-our-financial-system/) - Fiat money, fractional reserve banking, & inflation violate the 8th Commandment. Here is what the Westminster Divines say about the sins of our financial system
- [Is TradFi really traditional? The History of 401(k)s, Roth IRAs, and Conventional Finance](https://reformedfinance.net/articles/is-tradfi-really-traditional/) - Is TradFi really traditional? It is barely one generation old-the 401(k) dates to 1978, the Roth IRA to 1997. Here's what truly traditional finance looks like.
- [IBC Gimmicks: Secret of the Wealthy](https://reformedfinance.net/articles/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.
- [Your Emergency Fund Doesn't Have to Live in a Bank](https://reformedfinance.net/articles/your-emergency-fund-doesnt-have-to-live-in-a-bank/) - Your emergency fund may be doing too little. Learn how whole life insurance can store liquid wealth beyond a taxable savings account in the bank.
- [How I Found IBC](https://reformedfinance.net/articles/how-i-found-ibc/) - Finding IBC took longer than most — bad illustrations, too many agents, and a lot of confusion. Here's what that process looked like for me.
- [Lessons Learned from my search for IBC](https://reformedfinance.net/articles/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 book to evaluating PUA riders.
- [Who Controls the Banking Function](https://reformedfinance.net/articles/who-controls-the-banking-function/) - Conventional finance portrays the problem as not making enough money when really the problem is who controls the banking function in your life.
- [The Power of Compounding Interest](https://reformedfinance.net/articles/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, building wealth or creating debt slavery.
- [Sinking Fund, Lost Opportunity: The Hidden Cost of Paying Cash](https://reformedfinance.net/articles/sinking-fund-lost-opportunity/) - Paying cash avoids a loan — but not the cost. Here's why the sinking fund method carries a hidden opportunity cost that IBC eliminates.
- [Truth, Not Marketing: A Point-by-Point Response to Policy Genius on IBC](https://reformedfinance.net/articles/truth-not-marketing/) - Policy Genius claims to tell the truth about infinite banking—but misrepresents IBC as a product, ignores the banking function, and omits key policy mechanics.
- [How Churches Can Use the Infinite Banking Concept](https://reformedfinance.net/articles/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 organizations don't have.
- [The Truth About Whole Life Insurance: Cash Value, Dividends, and What Critics Get Wrong](https://reformedfinance.net/articles/the-truth-about-whole-life/) - 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.
- [Dividends in Whole Life Insurance: More Than a Return of Premium](https://reformedfinance.net/articles/dividends-not-just-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 recognition means, and how to use them.
- [IBC Policy Design: Form Follows Function](https://reformedfinance.net/articles/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 design.
- [Fiat Money, Fractional Reserve Banking, and Inflation: A Christian Analysis](https://reformedfinance.net/articles/fiat-money-fractional-reserve-banking-and-inflation/) - Fiat money has no commodity backing, fractional reserve banking creates money from nothing, and inflation steals purchasing power. Here is how the system works.
- [A Biblical Alternative to Conventional Finance](https://reformedfinance.net/articles/biblical-alternative/) - The Infinite Banking Concept offers Christians a biblical alternative: private capital accumulation that enables control, greater charity, and financial peace.
- [Building a Biblical Family Economy](https://reformedfinance.net/articles/building-a-biblical-family-economy/) - Biblical stewardship calls wives to govern the home. Taxes, debt, and inflation make it feel impossible. Here's how a family economy changes that.
- [IBC Gimmicks: Do You Recapture Interest? What It Actually Means](https://reformedfinance.net/articles/ibc-gimmicks-do-you-recapture-interest/) - "Recapture interest" doesn't mean you keep the interest. Here's what the phrase actually means in the Infinite Banking Concept. Veritas non verbum venditoris
- [IBC Gimmicks: Can You Make Money Buying Cars?](https://reformedfinance.net/articles/ibc-gimmicks-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 Have to Repay an IBC Policy Loan?](https://reformedfinance.net/articles/ibc-gimmicks-dont-have-to-pay-back-the-loan/) - Policy loans require no monthly payments—but unpaid loans compound, can trigger a lapse, and may produce a large tax bill. Here's what honest banking looks like.
- [Gary North Is Wrong About Whole Life Insurance and the Infinite Banking Concept](https://reformedfinance.net/articles/gary-north-is-wrong-about-whole-life/) - Gary North’s critique of whole life insurance and Infinite Banking was influential—but flawed. Ryan Griggs explains what North got wrong.
- [Biblical Stewardship Is Not a Budget Line — It Is a Duty](https://reformedfinance.net/articles/stewardship-is-not-a-budget-line-it-is-a-duty/) - Biblical stewardship is the active, faithful governance of everything God entrusts to us — not merely saving 10% or avoiding debt. What about the other 90%?
- [A Vision for Multigenerational Wealth and Faithfulness](https://reformedfinance.net/articles/a-vision-for-multigenerational-wealth-and-faithfulness/) - Turn your household economy into a kingdom-centered financial system: create family bonds multigenerational wealth that is more than just money.
- [IBC Gimmicks: Is IBC Just Wash Loans?](https://reformedfinance.net/articles/ibc-gimmicks-it-is-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.
- [Debt, Stewardship, and the Banking Function](https://reformedfinance.net/articles/debt-stewardship-and-the-banking-function/) - Debt is any obligation to repay—but not all obligations are equal. Here's what Scripture actually says about conventional debt, cash purchases, and policy loans

## Pages

- [Reformed Finance | Infinite Banking for Families & Business Owners](https://reformedfinance.net/) - Reformed Finance teaches Christian families to control the banking function, preserve access to capital, reduce bank dependence, & build a lasting family legacy
- [Resources | Reformed Finance](https://reformedfinance.net/resources/) - Books, external articles and other resources for Economics and the Infinite Banking Concept
- [Frequently Asked Questions for IBC](https://reformedfinance.net/faq/) - Get expert insights into frequently asked questions about IBC, simplifying complex concepts and guiding you to become your own banker.
- [Infinite Banking Videos](https://reformedfinance.net/videos/) - Watch video presentations from Reformed Finance on the Infinite Banking Concept — how families can reclaim control of the banking function.
- [Articles](https://reformedfinance.net/articles/) - Articles Browse educational articles and blog posts from Reformed Finance All content on this site is intended for informational purposes only and is not meant to replace professional consultation. The opinions expressed are exclusively those of Reformed Finance LLC, unless otherwise noted. While the information presented is believed to come from reliable sources, Reformed Finance
- [Contact Us | Reformed Finance - Reform Your Banking, Reform Your Life](https://reformedfinance.net/contact/) - Contact Us By / Published: / Updated: / Read Time: Want to know more?Have questions or ready to take the next step? Phone702-527-1776 Emailinfo@reformedfinance.net Follow Us: Name Email Message Submit FormThe form has been submitted successfully!There has been some error while submitting the form. Please verify all form fields again. See What Greater Financial Control
- [William Fullington | NNI Authorized Practitioner](https://reformedfinance.net/about-william-fullington/) - William Fullington, NNI Practitioner, helps Christian families, businesses, and churches reclaim the banking function through the Infinite Banking Concept.
- [About Nelson Nash](https://reformedfinance.net/about-nelson-nash/) - Nelson Nash was the creator of the Infinite Banking Concept™ and authored Becoming Your Own Banker, teaching individuals how to control the banking function.
- [Becoming Your Own Banker: Points to Consider](https://reformedfinance.net/points-to-consider/) - From Becoming Your Own Banker, page 85: Nash's 7 Points to Consider on finance, wealth, and why the banking function belongs in your hands.
- [Nelson Nash’s Introduction to Infinite Banking](https://reformedfinance.net/introduction-to-infinite-banking/) - The Infinite Banking Concept, in Nelson Nash's own words: not an investment, not a tax shelter — it is a way to reclaim the banking function for your family.
- [What Is The Infinite Banking Concept?](https://reformedfinance.net/what-is-the-infinite-banking-concept/) - The Infinite Banking Concept® is a strategy for reclaiming the banking function using whole life insurance—giving you control, liquidity, and legacy.
- [Putting Your Capital to Work](https://reformedfinance.net/banking-function/movement/) - You finance everything you buy. Discover how controlling the banking function changes how you access capital and finance life’s needs.
- [Where to Store Your Wealth](https://reformedfinance.net/banking-function/storage/) - Storage is the first step of the banking function. Have you chosen where your wealth resides—or followed the default? Discover why it matters.
- [The Banking Function](https://reformedfinance.net/banking-function/) - The banking function is storage, movement, and repayment of capital. Spending your own money still uses up capital, whether or not anyone bills you for it.
- [Terms of Service](https://reformedfinance.net/terms-of-service/) - Terms of Service Effective Date: 29 Sep 2024 Last Updated: 25 May 2026 1. Who Governs This Website Agreement? These Terms of Service constitute a legally binding agreement made between you and Reformed Finance LLC concerning your access to and use of reformedfinance.net. By using this site, you agree to these conditions. 2. Does Content
- [Privacy Policy](https://reformedfinance.net/privacy-policy/) - Privacy Policy Effective Date: 29 Sep 2024 Last Updated: 25 May 2026 Reformed Finance (“Reformed Finance,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit reformedfinance.net, contact us, schedule a call, subscribe to our content, download resources, attend an event,
- [Disclaimers](https://reformedfinance.net/disclaimers/) - General & Jurisdictional Disclaimer Effective Date: 29 Sep 2024 Last Updated: 25 May 2026 1. Who Is Accountable for Content on Reformed Finance? All educational material, structural financial analyses, and insights published on this site are authored, verified, or approved by William Fullington, founder of Reformed Finance LLC. William Fullington is an Authorized Infinite Banking
- [Refund and Returns Policy](https://reformedfinance.net/refund_returns/) - Refund and Return Policy Effective Date: 29 Sep 2024 Last Updated: 25 May 2026 Scope Reformed Finance LLC is an educational platform. Strategy calls, articles, and all other educational services offered through reformedfinance.net are provided free of charge and are not subject to this policy. This policy applies only to physical and digital products purchased
- [Shop](https://reformedfinance.net/shop/) - Shop Featured products
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## Products

- [Building Your Warehouse of Wealth](https://reformedfinance.net/shop/building-your-warehouse-of-wealth/) - Nelson Nash's follow-up to Becoming Your Own Banker — a shorter, worldview-focused look at fractional reserve banking, dividend-paying whole life insurance, and biblical stewardship. Published 2012.
- [Becoming Your Own Banker](https://reformedfinance.net/shop/becoming-your-own-banker/) - Finally! A book that tells the truth about Dividend-Paying Whole Life Insurance. Exercise your imagination with this major paradigm shift. Reading the book just one time won’t do the job. There have been many people who have had a glimpse of what this book is all about, but none, to my knowledge, has put together a comprehensive rationale such as you will see here. Read it with an open mind and you will discover an exciting new financial world!
- [What Has Government Done to Our Money](https://reformedfinance.net/shop/what-has-government-done-to-our-money/) - Included Free with Any Order! Innumerable economists, investors, commentators, and authors have learned from this book through the decades. It remains the best book in print on the topic, a real manifesto of sound money.
- [Hayek for the 21st Century](https://reformedfinance.net/shop/hayek-for-the-21st-century/) - Included Free with Any Order! A a primer for the layperson, introducing a new generation of readers to Hayek’s writings and hopefully avoiding the 20th century’s mistakes in the 21st century.
- [The Pension Idea](https://reformedfinance.net/shop/the-pension-idea/) - Pensions in America as we know them today began during World War II. Before that time the idea was practically non-existent. Everything was “frozen” during the war. When you went to buy gasoline it didn’t matter how much money you had. The limiting factor was the A, B, or C sticker on the windshield of your car. Some government bureaucrat determined how much you “needed.” When the housewife went to buy groceries, there were “ration points” that determined how much meat she could buy, how much of the other staples of life, etc, etc.” A Socialist’s paradise! The same idea applied to wages – they were “frozen”. Under such an environment, how can you give someone a pay raise without “giving a pay raise”? Benefits, of course!! This was also a function of the IRS Code, which began in 1913. The monster has accelerated and now the inevitable results are beginning to manifest themselves. Pension plans and all other such “IRS qualified plans” are self-destructing. Not long after WWII, in 1950, Paul Poirot of the Foundation for Economic Education wrote a little book, THE PENSION IDEA, in which he demonstrated that the idea would never work. His prophecy is now apparent.
- [Banking With Life DVD](https://reformedfinance.net/shop/banking-with-life-dvd/) - Banking With Life offers insights from financial experts, economists, and real client stories, serving as the essential guide to understanding The Infinite Banking Concept® and how anyone can utilize it to create wealth and gain financial independence.

## Categories

- [Introduction](https://reformedfinance.net/articles/category/introduction/)
- [Problem](https://reformedfinance.net/articles/category/problem/)
- [Worldview](https://reformedfinance.net/articles/category/worldview/)
- [Principles](https://reformedfinance.net/articles/category/principles/)
- [Tactic](https://reformedfinance.net/articles/category/tactic/)
- [Tool](https://reformedfinance.net/articles/category/tool/)

## Tags

- [Stewardship](https://reformedfinance.net/articles/tag/stewardship/)
- [Biblical Stewardship](https://reformedfinance.net/articles/tag/biblical-stewardship/)
- [Generational Wealth](https://reformedfinance.net/articles/tag/generational-wealth/)
- [Dominion Mandate](https://reformedfinance.net/articles/tag/dominion-mandate/)
- [Family Economy](https://reformedfinance.net/articles/tag/family-economy/)
- [Whole Life Insurance](https://reformedfinance.net/articles/tag/whole-life-insurance/)
- [Infinite Banking](https://reformedfinance.net/articles/tag/infinite-banking/)
- [multigenerational wealth](https://reformedfinance.net/articles/tag/multigenerational-wealth/)
- [banking function](https://reformedfinance.net/articles/tag/banking-function/)
- [opportunity cost](https://reformedfinance.net/articles/tag/opportunity-cost/)
- [single income family](https://reformedfinance.net/articles/tag/single-income-family/)
- [inflation](https://reformedfinance.net/articles/tag/inflation/)
- [lifestyle creep](https://reformedfinance.net/articles/tag/lifestyle-creep/)
- [retirement](https://reformedfinance.net/articles/tag/retirement/)
- [fractional reserve banking](https://reformedfinance.net/articles/tag/fractional-reserve-banking/)
- [fiat money](https://reformedfinance.net/articles/tag/fiat-money/)
- [charitable giving](https://reformedfinance.net/articles/tag/charitable-giving/)
- [eighth commandment](https://reformedfinance.net/articles/tag/eighth-commandment/)
- [stock market](https://reformedfinance.net/articles/tag/stock-market/)
- [social security](https://reformedfinance.net/articles/tag/social-security/)
- [commodity money](https://reformedfinance.net/articles/tag/commodity-money/)
- [central banking](https://reformedfinance.net/articles/tag/central-banking/)
- [federal reserve](https://reformedfinance.net/articles/tag/federal-reserve/)
- [Christian Finances](https://reformedfinance.net/articles/tag/christian-finances/)
- [paid-up additions](https://reformedfinance.net/articles/tag/paid-up-additions/)
- [policy design](https://reformedfinance.net/articles/tag/policy-design/)
- [modified endowment contract](https://reformedfinance.net/articles/tag/modified-endowment-contract/)
- [dividends](https://reformedfinance.net/articles/tag/dividends/)
- [mutual insurance company](https://reformedfinance.net/articles/tag/mutual-insurance-company/)
- [direct recognition](https://reformedfinance.net/articles/tag/direct-recognition/)
- [cash value](https://reformedfinance.net/articles/tag/cash-value/)
- [policy loan](https://reformedfinance.net/articles/tag/policy-loan/)
- [term insurance](https://reformedfinance.net/articles/tag/term-insurance/)
- [church finances](https://reformedfinance.net/articles/tag/church-finances/)
- [conventional finance](https://reformedfinance.net/articles/tag/conventional-finance/)
- [rate of return](https://reformedfinance.net/articles/tag/rate-of-return/)
- [compound interest](https://reformedfinance.net/articles/tag/compound-interest/)
- [sinking fund](https://reformedfinance.net/articles/tag/sinking-fund/)
- [usury](https://reformedfinance.net/articles/tag/usury/)
- [mortgage](https://reformedfinance.net/articles/tag/mortgage/)
- [401k](https://reformedfinance.net/articles/tag/401k/)
- [becoming your own banker](https://reformedfinance.net/articles/tag/becoming-your-own-banker/)
- [Nelson Nash](https://reformedfinance.net/articles/tag/nelson-nash/)
- [NNI](https://reformedfinance.net/articles/tag/nni/)
- [reformed finance](https://reformedfinance.net/articles/tag/reformed-finance/)
- [wash loans](https://reformedfinance.net/articles/tag/wash-loans/)
- [tax](https://reformedfinance.net/articles/tag/tax/)
- [recapture interest](https://reformedfinance.net/articles/tag/recapture-interest/)
- [Gary North](https://reformedfinance.net/articles/tag/gary-north/)
- [Ryan Griggs](https://reformedfinance.net/articles/tag/ryan-griggs/)
- [Infinite Banking Concept](https://reformedfinance.net/articles/tag/infinite-banking-concept/)
- [Austrian Economics](https://reformedfinance.net/articles/tag/austrian-economics/)
- [Emergency Fund](https://reformedfinance.net/articles/tag/emergency-fund/)
- [Savings Account](https://reformedfinance.net/articles/tag/savings-account/)
- [Accessible Capital](https://reformedfinance.net/articles/tag/accessible-capital/)
- [Financial Foundation](https://reformedfinance.net/articles/tag/financial-foundation/)
- [Financial Control](https://reformedfinance.net/articles/tag/financial-control/)

## Product categories

- [Book](https://reformedfinance.net/product-category/book/)
- [DVD](https://reformedfinance.net/product-category/dvd/)