Advance planning for large expenses

In almost all of our sessions we talk about one certainty in life. No, we aren’t talking about death or taxes. There’s one guarantee in life, Change is coming. Winter will arrive.

You can’t predict the exact moment, the shape it’ll take, or the size of the bill attached—but you can be sure it’s coming. How many of you have unexpectedly experienced one or more of the following changes:
A new roof.
A family emergency.
A business opportunity.
A new car.
A medical surprise.
A wedding.
A season of transition.

Some changes are planned. Most aren’t.

The only real question is—will you be ready when it happens?

Because when you’re not, the cost is more than financial.
It’s the stress. The scramble. The dependence on someone else to bail you out—at a price.

The Two Paths: Ownership vs Obligation

Let’s zoom out.

When a large expense shows up, you have two options:

Option 1: Take on Debt from an Outside Lender

You head to the bank. You fill out forms. Jump through the hoops. You prove your worthiness.
And IF they approve you, you get the money—along with a monthly payment and a long-term obligation.

Now you're locked in.
You’re working to pay them back, with interest.
And they’re growing wealthier by doing what banks always do best—earning interest on your problem.

Suddenly, that expense becomes an anchor.
You’re swimming upstream with a weight around your neck, trying to survive while someone else profits off your situation.

It’s the default path most people take. It’s the cost of thinking about today and not thinking about tomorrow. But there’s a better way.

Option 2: Prepare with a Liquidity Fund You Control

This is what the wealthy do.
What smart entrepreneurs do.
What our 18,000 and counting IBC clients do every day.

They build a private, tax-free liquidity fund—so when change comes, they don’t flinch.

They’re not waiting on a banker’s approval.
They’re not liquidating investments and sacrificing growth.
They’re not paying penalties to access their own money.
They’re simply borrowing against their capital and using it while it continues to grow.

No interruption.
No taxes.
No stress.
No anchors.

They are following Einstein’s 8th wonder of the world, uninterrupted compound interest.

That’s the Infinite Banking Concept (IBC) in action.

Play the Game They’re Playing

Most people don’t realize the game they’re in.

They borrow at high interest while their savings are earning little to nothing.
They send money to lenders month after month, wondering why wealth feels out of reach.

The volume of interest they pay to others over a lifetime is soul crushing.

Meanwhile, the lenders are using that exact same strategy in reverse:
They earn interest on your money while taking none of the risk.

They’re not smarter. They’re not more disciplined.
They’re just playing a different game—with different rules.

And once you see it… you can’t unsee it.

Guarantees vs Guesswork

Here’s the thing about building your own liquidity fund through IBC:

• It grows tax free and guaranteed every year
• It gives you guaranteed access
• It pays guaranteed tax free death benefit to your family
• And it provides a guaranteed way to use capital without losing momentum

Compare that to borrowing from a bank:

• Interest rates that can change
• Approval processes that can delay or deny
• Terms that aren’t in your favor
• And a repayment schedule that doesn’t care what’s happening in your life
  

One gives you control.
The other gives you chains.

Final Thought: Be the One Who’s Ready

Change is coming.
It’s not a matter of if. It’s when.

So ask yourself:
Will you be in a position of power—or panic?
Will you be paying someone else to solve your problem—or using your own system, built with foresight and intention? You don’t need to hope for stability. You can build it.

Start now. Build your tax-free liquidity fund. Schedule your call here.

And when change comes… you’ll meet it with confidence.