This is an encore episode of Don't Steal From Yourself, originally aired on May 11, 2023.

Banks potentially steal tens of thousands of dollars by the time you retire.

How?

With compounding interest.

I know, not a revolutionary concept, but considering how a loan for a $30,000 car actually costs more like $40,000 when you factor in an 11% interest rate...

Banks steal from you every day you're paying back a loan — (well actually, you are willingly throwing extra money at them!)

That's the bad news.

The good news?

You can avoid paying the banks ANY interest (and pay yourself that interest.)

And when you do this, you're going to potentially retire with a larger nest egg, because you're saving up that excess interest (and not forking it over to Wells Fargo or some other greedy banker.)

So, if this excites you, then read on.

In today's episode, you'll discover how to stop stealing money from yourself.

Listen now!

Show Highlights Include:

• Why paying yourself back with interest allows you to grow a large nest egg by the time you retire (a much bigger savings pool than if you housed your money at a bank) (2:48)
• Interested in setting your own interest rate? Try an "Amortization Schedule" (3:35)
• How to borrow money to invest in short-term rental properties (and continue to grow the overall cash value of your personal banking system at the same time) (4:02)
• A simple "trick" to potentially save tens of thousands of dollars towards your retirement (and stop forking over this money to your bank) (4:42)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

This is an encore episode of IBC vs. Non-IBC Style Policy, originally aired on May 4, 2023.

Whole life insurance is a terrible place to invest your money.

And that's because life insurance is an asset, not an investment.

With infinite banking, you're housing your money there as opposed to housing it with a bank. And from there, you can invest it however you want — pay off your house, debt, invest in short-term rental properties, etc.

The trap Dave Ramsey and other financial gurus fall for is thinking that all whole life insurance is the same.

But it's not.

In fact, there's a huge difference between IBC and a non-IBC style policy.

And in today's episode, I reveal the difference between the two.

Listen now!

Show Highlights Include:

• What financial gurus like Dave Ramsey get dead wrong about whole life insurance policies (1:18)
• How you could end up with $0 in your life insurance policy if you make this simple hiring mistake (3:34)
• The "snowball effect" you can use to build up your retirement savings (7:05)
• How to pay lower premiums (and make your cash more efficient) (8:36)
• Not sure how much you should put into your policy each year? Here's how much you should pay per year to get the most out of your personal banking system (9:26)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

This is an encore episode of Universal Life vs. Whole Life for IBC, originally aired on April 27, 2023.

One of my new clients woke up with $0 in her life insurance policy after 33 years of funding.

Worst part?

Her premium was about to increase 1,300%.

Yep, 1,300%!

I tell you this because if you don't know any better, you can choose a life insurance policy that's not optimal for your personal banking system.

Many people make this mistake when getting started in IBC.

But in today's episode, you'll discover how to avoid waking up with $0 in your life insurance policy.

Listen now!

Show Highlights Include:

• How to access 50% of the death benefit on your whole life insurance policy BEFORE you die with a "CR" (2:03)
• How to potentially de-risk investing in the S&P 500 (10:18)
• Why an IUL could leave you with $0 in your savings account by the time you retire (14:24)
• How these 2 types of life insurance policies legally puts all the risk of managing your money on you (17:22)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)