Why Most Financial Advice Starts Too Late: The IBC Difference

Most financial conversations start too late — with how to invest, save, or allocate what’s left at the end.
But true financial understanding begins earlier: in recognizing the flow of money itself.

This video features IBC Practitioner Joseph DeFazio, who shares how the Infinite Banking Concept reframes traditional planning by beginning where most systems end — at the point of cash flow.

Explore how this approach aligns with stewardship, autonomy, and the timeless principles outlined in Becoming Your Own Banker by R. Nelson Nash.

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📚 Dive into these Valuable Resources 👇

📖 Nelson Nash's "Becoming Your Own Banker" Book
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📚 Becoming Your Own Banker + Building Your Warehouse of Wealth Combo
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🤔 ABOUT NELSON NASH INSTITUTE 😃

The Nelson Nash Institute is dedicated to the ideas of Nelson Nash, the founder of the Infinite Banking Concept (IBC). Nash's work is based on Austrian economics, emphasizing individual liberty, sound money, and limited government. The institute educates both the general public and financial professionals about the theory and application of life insurance, particularly whole life insurance.

We promote the use of whole life insurance as a key tool for implementing the Infinite Banking Concept. This concept involves using permanent whole life insurance policies as a way to manage cash flow, essentially creating a privatized banking system. The aim is for individuals and businesses to recapture interest that would traditionally be paid to financial institutions, thereby maintaining control and access to funds while achieving consistent long-term growth.

The institute offers educational programs, including the IBC Practitioner’s Program, which trains financial professionals, including life insurance agents, CPAs, and attorneys, on how to structure whole life insurance policies for their clients to function as banking policies. The focus is not on "investing in" life insurance, but on using it as a cash-flow management vehicle to achieve financial goals.

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Content, audio, video, and materials about the Nelson Nash Institute and related subjects, available on our platforms, are designed for educational purposes. They do not substitute legal, financial, or professional advice. Laws and practices vary, so consult experts for personalized guidance. Each illustration is unique; individual results vary. Specific advice fits unique circumstances. We care about accuracy but don't assume liability for errors. The mention of deposits refers to premium payments.

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