How High-Income Investors Reuse the Same Money

In this episode of the Legacy Podcast, we break down how some real estate investors use life insurance as a tool to store cash, borrow against it, and fund deals—using real numbers and clear examples.

Most investors hear “life insurance” and immediately tune out. I get it. I did too. So in this episode, I wanted to slow everything down and actually understand how some investors are using life insurance as a financial tool—not as a product pitch, not as a hack, and not as a replacement for real estate.

I sat down with Chris Miles (‪@moneyrippleswithchrismiles‬ , moneyripples.com) and asked the questions I know most real estate investors are thinking but don’t always get clear answers to.

We talk through:
How investors use life insurance to hold cash differently
-What it really looks like in the early years (costs, break-even, growth)
How borrowing against a policy actually works
How this compares to holding cash, CDs, bonds, or money markets
When this makes sense for real estate investors and when it doesn’t
We use simple dollar examples, real scenarios, and honest trade-offs. No hype. No pressure. Just clarity.

This episode isn’t about convincing you to do anything. It’s about understanding another tool so you can decide whether it belongs in your overall strategy.

If you’ve ever wondered where to safely park cash, how to keep money working while still using it, or why some investors structure things differently—this will help connect the dots.

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