Ep. 12 - Show Me the Numbers! Why the Infinite Banking Isn't an Investment

Is Infinite Banking (IBC) just another "investment"… or a smarter way to finance life with control and liquidity? In this episode of Bankless by Design, Tricia Miller reframes the debate and walks through numbers that actually matter—cash value access, opportunity cost, velocity of money, guaranteed growth, and how policy design impacts real-life results. What you'll learn Why IBC with dividend-paying whole life insurance is a financing system, not an investment How to calculate the lifetime volume of interest you've paid to banks (and the cost of paying cash) The velocity of money: using the same dollar for multiple jobs without interrupting growth A simple, mid-life example policy: liquidity in early years, increasing cash value, and expanding death benefit  Why "buy term & invest the difference" misses opportunity cost, access, taxes, and sequence risk Practical steps to start banking at home and compare strategies on apples-to-apples terms About the show  Bankless by Design (Thrivewell) helps families, entrepreneurs, and purpose-driven people reclaim control of their money through Infinite Banking and values-aligned stewardship—so you can protect, provide, and build a multigenerational legacy. Enjoyed this? Like 👍, subscribe 🔔, and comment with your biggest question about IBC. It really helps others find the show. - -----------------------------------------  Follow Thrivewell 👉 Facebook: https://www.facebook.com/people/Thrivewell/61578207568360/ 👉 Instagram: https://www.instagram.com/bankless_by_design/ 👉 Linkedin: https://www.linkedin.com/company/107769593 👉 TikTok: https://www.tiktok.com/@thrivewell_bbd Get In Touch: [email protected] Learn More: banklessbydesign.com   Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.