Welcome to

The Money Multiplier

Video Series

TMM Video Series

WHAT IS DEBT MAPPING?
One of the things that sets us apart from other Infinite Banking Concept companies is our debt mapping process. In this video, Andrew goes through the process.

TMM Video Series

HOW MUCH INTEREST DO I PAY ON POLICY LOANS?
A lot of people have difficulty taking policy loans since they’re concerned about “adding debt”. In this video, Andrew goes over how policy loans are different from traditional loans.

TMM Video Series

DOES MY FAMILY HAVE TO PAY TAXES ON MY DEATH BENEFIT?
Leaving a tax burden to family is a concern that a lot of members have. In this video, Brent talks about the tax implications from the policy benefit and how it can affect you once you “graduate.”

TMM Video Series

DO I HAVE TO PAY TAXES ON THE INTEREST I EARN IN MY POLICY?
Taxes are on everyone’s minds, especially when it comes to new concepts. In this video, Brent goes through the tax implecations of the guaranteed interest and dividends that are earned inside your policy.

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THE THREE RULES?
There are three main rules to follow when using the Infinite Banking Concept. In this video, Brent explains the three rules and how they affect your life.

TMM Video Series

HOW BASE PLUS PUA WORK HAND IN HAND?
In each policy we engineer, there are two main parts, the base insurance policy and a “paid-up additions” (PUA) rider. In this video, Hannah explains how these two parts of your policy work to help you.

TMM Video Series

WHAT IS DEBT MAPPING?
One of the things that sets us apart from other Infinite Banking Concept companies is our debt mapping process. In this video, Andrew goes through the process.

TMM Video Series

WHAT’S THE PROCESS OF GETTING A POLICY?
The process of getting a policy is actually quite easy! In this video, Hannah goes through the process.

TMM Video Series

WHAT IF I’M UNINSURABLE?
Although we’d like to, we can’t get everyone insured. In this video, Hannah talks about some of the ways we can help people who may not be able to be insured.

TMM Video Series

WHO CAN I GET A POLICY ON?
Most people think the only person they can get an insurance policy on is themselves. In this video, Hannah goes over some of the people you can get an insurance policy on besides yourself.

TMM Video Series

WHAT’S THE DIFFERENCE BETWEEN A POLICY OWNER, INSURED PERSON, AND BENEFICIARY?
When thinking about insurance policies, we often only think of the person who we’re getting insurance on. In this video, Hannah goes over the different people involved with a policy and what their roles are.

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CAN I PAY MY PREMIUM IN ADVANCE?
It often feels good to be able to pay our bills before they’re due and life insurance premiums are no different. In this video, Hannah goes over whether you can pay your premiums early or not.

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DO I HAVE TO BE A US CITIZEN TO USE THIS SYSTEM?
Having an Infinite Banking Concept policy is an attractive idea to many, not just Americans. In this video, Hannah will go over how to get a policy if you aren’t a U.S. citizen.

TMM Video Series

WHAT ARE 1035 EXCHANGES?
You may have heard the term “1035 exchange” but aren’t sure what it means. In this video, Chris goes oveer 1035 exchanges and when we can use them.

TMM Video Series

WHOLE LIFE VS IUL
There’s been a lot of talk about Indexed Universal Life Insurance Policies (often called “IULs”) and their use with the Infinite Banking Concept. In this video, Chris goes over whether IUL’s will work with IBC.

TMM Video Series

OUR THOUGHTS ON TERM INSURANCE
Term insurance is a popular subject in the personal finance space. In this video, Chris goes over his take on term insurance and when it can be used effectively.

TMM Video Series

BUYING REAL ESTATE WITH YOUR POLICY
When you purchase real estate as an investment, financing the deal is always a major consideration. In this video, Chris goes over how you can use an IBC policy to finance your real estate investing.

TMM Video Series

USE YOUR POLICY TO BECOME THE BANK
We’ve been taught that we’ll always have to use other banks to finance our lives but that”s not necessarily the case. In this video, Chris goes over how to become your own bank using an IBC policy.

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HOW MUCH RISK IS INVOLVED IN THIS SYSTEM?
Whenever we’re presented with a new financial concept, one of the main things we think is how risky the concept is. In this video, Chris goes over the risks associated with IBC.

TMM Video Series

DIRECT VS NON-DIRECT RECOGNITION?
When it comes to insurance companies for IBC, it’s important to understand the difference between a direct recognition company and a non-direct recognition company. In this video, Chris will explain the differences.

TMM Video Series

HOW ARE INSURANCE COMPANIES DIFFERENT FROM BANKS?
The crash of 2008 and the ensuing bailout of banks that were “too big to fail” brought into question the stability of banks. In this video, Chris goes over the differences between banks and insurance companies.

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CAN I ROLL MY 401(K) INTO A POLICY?
Finding a new way to save for retirement can be exciting, especially since interest rates on more traditional investments can be lower than we’d like. In this video, Chris goes over whether or not you can roll over a 401(k) into an IBC policy.

TMM Video Series

DOES THE STOCK MARKET AFFECT MY POLICY?
We often think of the stock market as a great way of making money but it has some risks associated with it and is usually only used as part of a financial strategy. In this video, Chris goes over whether or not IBC policies are affected by the stock market.

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RETIREMENT EXAMPLE / INCOME REPLACEMENT
Many people feel unprepared for retirement, especially in light of the fact that Social Security has been rumored to be running out of money. In this video, Chris goes over how to use an IBC policy for retirement.

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WHAT ARE YOUR THOUGHTS ON REVERSE MORTGAGES?
Most people are at least familar with reverse mortgages and the ability to tap into the equity in their homes to use for retirement. In this video, Chris goes over his thoughts on reverse mortgages.

TMM Video Series

USING A HELOC TO FUND MY POLICY
Tapping in the equity in your home (also known as “lasy money”) is a great way to “become the bank” and a Home Equity Line of Credit (HELOC) will help you tap that equity. In this video, Chris goes over how to use a HELOC to fund your IBC policy.

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USING A TMM POLICY FOR CASHFLOW
One of the major issues of a small business is cashflow. It can take 60 days, 90 days, or even longer to get paid once you invoice a client. In this video, Andrew goes over how to use an IBC policy to help with your businesses cashflow issues.

TMM Video Series

USING YOUR BANK TO ELIMINATE DEBT
A vast majority of Americans have large amounts of debt and it doesn’t look like that trend is going to change anytime in the near future. In this video, Andrew goes over how to pay off your debt with your IBC policy.

TMM Video Series

HOW DO I TAKE A LOAN FROM MY POLICY?
Taking loans from your IBC policy is a fundamental part of the process of using your new “bank”. In this video, Andrew goes over how to take loans.

TMM Video Series

HOW DO I PAY BACK MY LOANS?
Once you’ve taken loans from your IBC policy, there may come a point when you want to pay them off. In this video, Andrew goes over paying off loans.

TMM Video Series

DOES THIS SYSTEM AFFECT MY CREDIT?
A lot of the debt elimination process involves credit reporting so it’s only natural that you’ll have questions about IBC’s impact on your credit. In this video, Andrew goes over the impact of IBC on your credit score.

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DO I STILL NEED A CONVENTIONAL BANK ACCOUNT?
Since IBC is designed to make you the bank, you might have questions about whether or not you need to use other banks again. In this video, Andrew goes over whether you’ll need a conventional bank account or not when using IBC.

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WHAT IF I CAN’T PAY MY PREMIUM?
Life sometimes happens and an unexpected expense comes up. In this video, Andrew discusses some of the options you have if you ever run into trouble paying your premium deposits.

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WHAT HAPPENS ONCE I PAY OFF MY DEBT?
Paying off debt is one of the primary purposes of IBC but what happens once you’ve paid off all your debt. In this video, Andrew goes over some of the ways you can use your IBC policy once your debt has been paid off.

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HOW DOES RECAPTURING INTEREST WORK?
At TMM, we talk a lot about recapturing and recycling your money but what does that actually mean? In this video, Andrew goes over the concept of recapturing and recycling your money.

TMM Video Series

WHY SHOULD I TAKE A POLICY LOAN IF I CAN GET A LOWER RATE AT A CONVENTIONAL BANK?
When you take a policy loan, you’ll be charged an interest rate which is usually between 4 and 5% APR which could be higher than the interest rate you could get through a conventional bank. In this video, Brent goes over using a policy loan versus a conventional loan.

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HOW DOES THE DIVIDEND WORK?
Since we at TMM only use mutually-owned insurance companies, you’re entitled to be paid a dividend on the money in your policy. In this video, Brent explains how this dividend works.

TMM Video Series

CAN I HAVE MORE THAN ONE POLICY?
We often only think of getting one life insurance policy on ourselves but you may not know that you can get multiple policies. In this video, Brent talks about getting mutiple life insurance policies.

TMM Video Series

WHERE DOES THE DEATH BENEFIT IN MY POLICY COME INTO PLAY?
In IBC, we don’t often talk about the death benefit since we’re more focused on using money from the cash value instead. In this video, Brent goes over when the death benefit is used in IBC.

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WILL MY LOANS EVER EXCEED MY DEATH BENFIT?
One of the concerns around taking policy loans is that the death benefit might not cover the loans that have been taken from the policy. In this video, Brent addresses that concern.

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I DON’T HAVE ANY DEBT SO WHY SHOULD I USE THIS SYSTEM?
If you’re one of the minority of Americans who don’t have any debt, you may be wondering what the advantage of using IBC is rather than traditional financial methods. In this video, Brent goes over some of the ways you can use IBC if you have no debts.

TMM Video Series

CAN I START A POLICY WITH NO MONEY?
Starting a new bank requires money and the same can be true with your IBC banking system as well. In this video, Brent talks about whether it’s possible to start a policy with no money up front.

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WHAT FEES ARE INVOLVED WITH THIS SYSTEM?
Most financial plans have fees involved that you have to pay. In this video, Brent talks about whether or not there are fees associated with IBC.

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CAN I STILL WRITE OFF MY MORTGAGE INTEREST ON MY TAXES IF I USE THIS SYSTEM?
Morgage interest can be a major deduction on your taxes depending on your tax situation so it’s fair to say that you have some questions about how paying off your mortgage with IBC will affect your ability to deduct mortgage interest. In this video, Brent goes over how you can deal with mortgage interest and your taxes using IBC.

TMM Video Series

HOW DOES THE HEALTH EXAM WORK?
Some people have a fear of doctors (often called “white coat syndrome”) so the health exam associated with getting a life insurance policy can be intimidating. In this video, Hannah goes over some of the details of the life insurance health exam.

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HOW LONG DO I HAVE TO PAY THE PREMIUM FOR?
Since IBC is based around a whole life insurance policy, it’s fair to ask whether lifetime premiums are needed. In this video, Hannah goes over some of the options for paying your premiums.

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CAN I MAKE A LUMP-SUM PAYMENT?
Some people receive large one-off payments as a part of their businesses and putting those payments into an IBC policy might be an option. In this video, Hannah goes over large payment options.

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CAN I PUT MORE MONEY INTO MY SYSTEM IN THE FUTURE?
There’s a reason almost all of our members have more than one policy. Once people have seen how IBC works, they want to put more money into their “bank.” In this video, Hannah goes over your options for putting more money into your system.

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WHAT’S THE MINIMUM/MAXIMUM AMOUNT YOU CAN PUT INTO A POLICY?
When starting your new private “bank”, the amount you initially put into your bank is a primary question. In this video, Hannah goes over some options for how much to put into your policy.

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HOW OFTEN CAN I PAY MY PREMIUM?
Everyones financial situation is different so everyone will have a different way they’d like to pay their premiums. In this video, Hannah goes over your options regarding paying your policy premiums.

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WHAT IS A MODIFIED ENDOWMENT CONTRACT?
We at TMM talk quite a bit about Modified Endowment Contracts (MECs) but what are they? In this video, Hannah explains what a MEC is and why we want to avoid them.

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HOW DO THE DIFFERENT POLICY TYPES WORK?
We design our IBC policies based on the unique needs of each of our members so there isn’t a one-size-fits-all policy that we use. In this video, Chris goes over the types of policies we use and how they work with IBC.

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WHY OTHERS SAY WHOLE LIFE INSURANCE ISN’T A GOOD INVESTMENT
There’s a lot of talk about IBC but not all of it is based on a deep understanding of IBC. In this video, Chris goes over some of the common misconceptions around IBC.

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HOW DO INSURANCE COMPANIES STAY IN BUSINESS?
The interest and dividends that are paid on whole life policies are generally a lot higher than the interest rates that are paid by banks. This naturally leads to the question of how the insurance companies can pay higher than normal interest and still stay in business. In this video, Chris goes over how insurance companies work and how they can pay higher interest rates than banks.

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WHAT IF I ALREADY HAVE A LIFE INSURANCE POLICY?
Life insurance has been a part of people’s financial portfolios for hundreds of years so there are a number of people who might have purchased life insurance before learning of IBC. In this video, Chris goes over some of the ways we can use traditional life insurance with IBC.

TMM Video Series

WHAT’S THE MEC 7-PAY RULE?
When designing policies, we prevent a policy from becoming a Modified Endowment Contract (MEC) using the MEC 7-Pay Rule. In this video, Chris goes over the MEC 7-Pay Rule as it relates to IBC.

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529 PLANS VS BANKING POLICY
For people with children, starting a 529 plan is one of the ways to save for education expenses in the future. In this video, Chris goes over 529 plans as they relate to IBC.

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CERTIFICATES OF DEPOSIT (CDS) VS BANKING POLICY?
Besides savings accounts, one of the more commons savings vehicles has been Certificates of Deposit (CDs). In this video, Chris discusses CDs as they relate to IBC.

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HOW CAN I USE THIS SYSTEM FOR A 501(C)3?
Non-profit organizations have some of the same issues that for-profit businesses do. In this video, Chris goes over some of the ways that non-profits can use IBC.

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BUSINESS-OWNED POLICY CONTRACTS?
When we think of life insurance, we don’t often consider that it can be owned by a business. In this video, Chris goes over Company-Owned Life Insurance (COLI) and how it’s used.

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DEFERRED COMPENSATION PLANS
Companies often use whole life insurance as a compensation plan for executives. In this video, Chris goes over deferred compensation plans as they relate to IBC.

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TERMINAL & CHRONIC ILLNESS (ACCELERATED DEATH BENEFIT) RIDER
When we design policies for our members, we’ll often put an accelerated death benefit rider on the policy. In this video, Hannah explains this rider and its benefits.

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DIVIDEND OPTIONS (AND WHY WE USE PUA)
Because we use mutually-owned companies exclusively, a dividend is paid on all of our policies. In this video, Hannah explains how the dividend is used.

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WAYS BRENT USES HIS POLICY
Brent has been using IBC for many years. In this video, he explains some of the ways he uses his 16+ policies.

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WHAT SETS US APART FROM OTHER INFINITE BANKING COMPANIES?

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OUR HISTORY

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WELCOME TO THE MONEY MULTIPLIER METHOD

 

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INFINITE BANKING EXPLAINED BY A 10 YEAR OLD (ARIANA KOVACEVIC)
In this video, 10 year old Ariana Kovacevic explains the Infinite Banking Concept

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DAVE RAMSEY RESPONSE VIDEO
Dave Ramsey has been very vocal about his dislike of Infinte Banking. In this video, Chris and Brent respond to Dave’s YouTube video about Infinite Banking.

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WHAT FINALLY CONVINCED YOU THAT IBC WAS THE RIGHT CHOICE FOR YOU? MAJOR MISCONCEPTIONS
Infinite Banking is such a new concept to almost all of us that it’s inevitable we’d have some misconceptions when we first heard about it. In this video, Chris and Brent go over some of the initial misconceptions they had about IBC.

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HOW WOULD YOU EXPLAIN THIS SYSTEM TO YOUR MOM?

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WHY WOULD I PUT MONEY IN IBC AT 4% RATHER THAN INVEST AT 10%?
Should have a disclaimer “Interest rates quoted are hypothetical and may not reflect the actual return your policy will earn.”

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