Creating Tailwinds

Schedule Time with JohnSchedule Time with JaredContact JohnContact JaredIn today’s discussion, John T. Urbik and Jared Adams dive into a pivotal concept that can significantly alter your financial trajectory: the difference between spending money and spending capital. This distinction is not just semantic; it’s a fundamental shift in mindset that wealthy individuals utilize to grow their wealth.The Capital MindsetJohn highlights that wealthy people focus on spending capital rather than just money. When you spend a dollar, it’s gone, but if you consider that dollar as an employee, you’ll start to think about where it goes and how it works for you. "Every dollar is an employee," John states, emphasizing that each dollar should be put to work towards generating more wealth.Jared echoes this sentiment, noting that every transaction carries a cost, whether it’s a financing cost paid to a bank or the opportunity cost of not investing that dollar to create more wealth. "Every single transaction has a financing cost... Who captures that cost? Is it you or someone else?" This perspective shifts how you view every financial decision.Case Study: Real Estate DecisionsJared shares a practical example of how understanding this concept can lead to better financial decisions. When faced with a real estate purchase requiring a significant down payment, one must consider the opportunity cost of cashing out investments versus utilizing a policy loan. By not interrupting the growth of investments in the market, individuals can leverage their capital more effectively."Why would you interrupt what's growing in the market?" he asks, illustrating the importance of keeping your money working for you.The Power of PoliciesThe conversation also touches upon the use of life insurance as a wealth-building tool. John asserts that this isn’t just about insurance; it’s about a strategy for preserving capital while maintaining compounding interest over time. "This is a policy we're using as a strategy tool for preserving capital while maintaining compounding interest over time."This insight reframes the way we look at life insurance, not as a mere expense but as a crucial component of a wealth-building strategy.Conclusion: Think GenerationallyAs they wrap up, John emphasizes the importance of thinking generationally. Wealthy families don’t just spend money; they control the environment of their capital. "Don’t think about rates of return; think about control of capital and all the money you’re not paying in interest to somebody else."By adopting this mindset, you can start to look at every dollar spent as an investment in your future, paving the way for generational wealth.In this episode, we learned that every financial decision should be made with a long-term perspective. Consider where your dollars go, and how they work for you today and in the years to come.

Join Jared as he shares recent updates and deep dives into the core principles of infinite banking concepts, emphasizing the importance of education, understanding the vehicle, and strategic wealth storage. Perfect for anyone looking to enhance their financial literacy and build a personal banking system.In this episode:Why a whole life policy alone isn’t enough without proper application of infinite banking principlesThe crucial difference between owning a product versus practicing the processHow to understand that we finance everything – even if you pay cashComparing wealth storage options: from mattresses to dividend-paying whole life insuranceThe importance of creating future windfall pockets within your policiesThe concept of becoming your own banker — and why endless education is vitalHow to evaluate where to store your capital based on accessibility, protection, and benefits00:00 - Welcome back and recent updates01:00 - Summer family moments & John’s European travels02:57 - The importance of understanding whole life policies within infinite banking03:57 - Why the process is vital beyond just owning a product04:54 - Differentiating product and process in infinite banking06:22 - The value of continuous learning and the Nelson Nash Institute’s role07:20 - How we finance everything, even cash payers08:46 - Opportunity costs and the risk of cash leaving your environment10:27 - Where can you store capital? Comparing options11:56 - Why dividend paying whole life insurance outperforms other venues13:21 - Using real estate equity and cash stuffing as banks15:48 - Building your warehouse of wealth for future windfalls16:29 - Examples of potential windfalls and creating pockets for them18:24 - Becoming your own banker — building an internal wealth system19:20 - Ongoing learning and improvement in financial education20:23 - How to connect with Jared and John for ongoing support and questionsResources & Links:Building Your Warehouse of Wealth by R. Nelson NashNelson Nash InstituteFlightpath Financial SiteJared’s emailJohn’s emailConnect with Jared and John:Jared's CalendarJohn"s Calendar

What if every time you paid cash, swiped a card, or took out a loan — you were quietly handing your wealth to someone else? John and Jared pull back the curtain on the borrowing game most people never realize they're already playing. Why does your bank get to decide if you qualify for your own money? Why are you getting credit-checked, interest-gouged, and taxed twice on capital you already earned? And what happens to your family if your income stops tomorrow — do you actually have a plan, or just a hope? This episode breaks down the real cost of 401k loans, HELOCs, and personal debt — then flips the script on who should actually be controlling the banking function in your life. Spoiler: it's not your bank.Schedule Time with JohnSchedule Time with Jared00:00 Intro and Banter01:48 Everybody is borrowing money, but from where?02:25 Capital access options — 401k loans, HELOC, credit cards, personal loans06:41 401k loan double tax exposure & usury rates by state08:25 IUL Warning, don't mix insurance with investment10:40 HELOC control problem vs. IBC flexibility14:04 Nelson Nash's "swimming pool" concept16:04 Business owner application and Real world scenario

In this episode, Jared Adams and Glenn Yaney explore the transformative power of Infinite Banking Concepts (IBC), personal finance strategies, and real estate investing. They discuss how controlling your own banking system can lead to financial independence, the importance of ownership, and practical steps to optimize your wealth-building journey.#InfiniteBanking #PersonalFinance #RealEstateInvesting #FinancialIndependence #WealthBuilding #AustrianEconomics #ControlofCapital #TaxStrategies #AssetManagementSchedule Time with JohnSchedule Time with JaredGlenn Yaney with "The Capitalizing Your Life" PodcastChapters00:00 Introduction to Infinite Banking and Personal Growth02:54 The Role of Real Estate in Financial Independence05:31 Shifting Mindsets: From Traditional Savings to Cash Flow08:18 The Importance of Control in Financial Decisions11:03 Real-Life Applications of Infinite Banking13:43 The Impact of Education on Financial Success16:46 Masterminds and Continuous Learning19:32 Conclusion and Future Aspirations33:15 Outro

How can someone Purchase Future Items at a Discount? Find out as this episode features a discussion on Infinite Banking Concepts, long-term care, retirement planning, and financial decision-making. Guest Gina Wells, with Your Financial Design Strategies, shares personal experiences and insights into leveraging cash value life insurance for future financial needs. The conversation emphasizes the importance of long-term financial planning and overcoming personal financial challenges. The conversation covers a range of financial topics, including rate of return, financial planning for education, capitalizing and leveraging assets, protecting family and overcoming procrastination, insuring children and insurable interest, policies on children and ownership, Trump accounts and financial considerations, evaluating financial choices and lifestyle, and seeking professional financial guidance.Schedule a Meeting with JohnSchedule a Meeting with Jaredwww.yourfps.comChapters00:00 Introduction and Guest Welcome10:12 Retirement Community and Financial Considerations16:47 Personal Experience and Financial Decision-Making23:01 Understanding Rate of Return28:19 Insuring Children and Insurable Interest33:28 Evaluating Financial Choices and Lifestyle

In this episode, Jared and John discuss the current global uncertainties, economic challenges, and how the Infinite Banking Concepts can provide financial stability and independence. They explore strategies to control your capital, protect against inflation, and build long-term wealth through dividend-paying whole life insurance.Schedule a Meeting with JohnSchedule a Meeting with Jared#Infinite Banking #IBC #financialindependence #inflation #economicuncertainty #wealth #dividendpayingwholelife #controlofcapital #personalfinance #economicstrategiesSound Bites"The world's in a pretty rough spot financially.""Control your capital to build long-term wealth.""Guarantees provide stability in market fluctuations."Chapters00:00 Introduction and Guest Introduction01:15 John Urbik's Recent Activities and Personal Goals02:23 Discussing Global Uncertainty and Economic Challenges04:04 The Impact of Money Printing and Inflation on Wealth05:46 Why Infinite Banking Makes Sense in Uncertain Times07:52 Controlling Your Capital and Building Financial Independence09:37 Using Infinite Banking to Manage Mortgage and Debt Strategically11:40 Guarantees and Stability in Market Fluctuations13:35 The Process of Becoming Your Own Banker15:24 Long-Term Thinking and Psychological Control of Money16:33 Recap and Final Thoughts on Financial Freedom18:15 Salute Received, Call for Taxi

In this engaging conversation, Jared and John explore the importance of long-term thinking in financial planning, the power of controlling your banking functions through Infinite Banking Concepts, and the significance of ignoring noise to focus on meaningful goals. They share insights from Think Tank 2026, discuss strategies to build wealth, and emphasize the value of community and continuous learning.Keywordslong-term thinking, infinite banking, financial independence, wealth building, noise reduction, legacy, control of capital, dividend-paying whole life insurance, financial freedom, strategic planningKey TopicsLong-range thinking and legacy planningControlling your Capital with Infinite Banking ConceptsIgnoring noise and distractionsSchedule a Meeting with JohnSchedule a Meeting with JaredChapters00:00 Introduction to Think Tank 202603:16 The Importance of Long-Range Thinking05:54 Avoiding the Noise09:03 Empathy and Perspective11:29 Control Over Your Capital14:35 The Power of Infinite Banking17:12 Long-Term Financial Planning19:54 The Concept of Deposits vs. Premiums22:29 Conclusion and Future Events

In this conversation, Jared and John explore the idea of Infinite Banking Concepts, discussing its merits and misconceptions. They delve into the differences between whole life and term insurance, addressing common objections such as high costs, complexity, and surrender rates. The discussion emphasizes the importance of understanding the benefits of whole life insurance, the accessibility of cash value, and the role of financial planners. They also tackle skepticism surrounding infinite banking and highlight the significance of effective communication between agents and clients.Infinite banking is often misunderstood and labeled as a bad idea. Whole life insurance offers more benefits than term insurance. High costs associated with whole life insurance are often exaggerated. Complexity in infinite banking can be managed with proper education. Surrender rates are a concern for those who do not follow their financial plan. Accessibility to cash value in whole life policies is straightforward. Opportunity costs exist in all financial decisions, including insurance. Dependence on knowledgeable life insurance agents is crucial for success. Skepticism towards infinite banking can stem from a lack of understanding. Effective communication is essential in the insurance industry.Schedule a Meeting with JohnSchedule a Meeting with Jared"High cost is a fallacy.""You’re never too late to start."Chapters00:00 Introduction and Personal Updates01:12 Infinite Banking: A Controversial Concept02:25 Understanding Whole Life Insurance vs. Term Insurance05:15 Debunking the High Cost Myth08:32 Complexity in Infinite Banking Explained10:04 Surrender Rates and Their Implications13:54 Accessibility of Cash Value in Policies17:08 Opportunity Costs in Financial Planning21:33 Dependence on Life Insurance Agents23:54 Skepticism Towards Infinite Banking26:12 Closing Thoughts and Listener Engagement

In this conversation, Jared and John discuss the importance of understanding financing and investment opportunities as they look forward to 2026. They delve into the concept of infinite banking, emphasizing the need to control one's financial future by recapturing interest and utilizing policy loans. The discussion also touches on the safety of insurance policies, the comparison of traditional banking systems, and the creation of financial tailwinds through strategic financial planning. They conclude by encouraging listeners to evaluate their financial strategies and consider resources for further learning.TakeawaysYou finance everything you buy, whether through loans or cash. Understanding the cost of cash payments is crucial.Infinite banking allows you to recapture interest paid to lenders. Policy loans do not diminish your cash value in a life insurance policy. Long-term care benefits can be accessed through life insurance policies. Insurance policies are generally safe and secure investments. The importance of paying premiums to drive dividends in policies. Creating financial tailwinds is essential for long-term wealth. Evaluating where you put your money can reveal hidden expenses.Resources like 'Becoming Your Own Banker' can provide valuable insights.Schedule a Meeting with JohnSchedule a Meeting with Jared#investmentopportunities #infinitebanking #cashflow #financialplanning #policyloan #householdexpenses #insurance #wholelife #financialtailwinds #bankingsystems

Discover why liquidity is the silent superpower of personal finance — and how the Infinite Banking Concept (pioneered by R. Nelson Nash) turns specially designed whole life insurance into your personal "infinite" banking system. In this episode, we break down how maintaining control over your cash flow protects you from emergencies, lets you seize opportunities, and helps you recapture the interest you're currently handing over to traditional banks. Stop being a customer of banks — start becoming your own banker. Tune in for practical insights on building financial freedom through superior liquidity and uninterrupted compound growth!Schedule a Meeting with JohnSchedule a Meeting with Jared

In this episode, we break down the powerful add-ons that can supercharge your whole life insurance policy—riders! From waiver of premium and guaranteed insurability to accelerated death benefits, and paid-up additions, discover how these optional features customize your coverage for real-life scenarios like disability, chronic illness, or family changes.Whether you're a policyholder looking to optimize your plan or just exploring permanent life insurance, you'll learn the pros, cons, costs, and when certain riders make the most sense. We explain common riders in simple terms, share real-world examples, and reveal how they enhance protection, flexibility, and even cash value growth.Tune in to make smarter decisions about your financial legacy. If you're ready to level up your whole life policy, this episode is a must-listen!What's your favorite rider, or do you have questions about whole life? Drop a comment below! #infinitebanking #wholeliferiders #becomeyourownbanker #controlyourfinancesSchedule a Meeting with JohnSchedule a Meeting with Jared

Join John and Jared as they highlight some foundational concepts of Infinite Banking Concepts. Whether you are new to IBC or a seasoned veteran, follow a core IBC principle, never arrive at the destination of learning. Today we discuss the Base and PUA component of a properly structured, dividend paying whole life insurance policy. Do you understand how they interact? And the importance of each in both the short term and long term of you policy? Core understanding can help prepare you to ask excellent questions and build your knowledge of Infinite Banking Concepts.Schedule a Meeting with JohnSchedule a Meeting with Jared

The market swooned because President Trump is equalizing the global marketplace, placing on the same tariffs that other countries that these counties have placed on the USA. If you're worried about the stock markets, your home value, and your job... Relax! The best thing you can do for your psyche is to set up a Dividend Paying whole life insurance policy. In this episode we discuss why. Talk about having a good night's sleep! It's easy to set up and easy to do. #tariff #noworries #thecaseforIBC #itsnotaninvestment #rnelsonnash #practitionerSchedule a Meeting with JohnSchedule a Meeting with Jared

Yes, you can set up a whole life policy using the Infinite Banking Concepts even if you are uninsurable! Understand what Infinite Banking Concepts can do for you and how powerful it can be! Jared goes full #transparency mode on his personal path with underwriting and health struggles. Even while attempting to set his family on a path to financial freedom, bumps in the road do not mean complete road closures. There are always options! Learn more by tuning in, and as always, questions or comments are welcome! #health #insuranceunderwriting #money #cashflow #IBC #RetirementSchedule a Meeting with JohnSchedule a Meeting with Jared

Join us as we welcome the Nelson Nash Institute's newest Authorized Infinite Banking Concepts Practitioner, Jared Adams! We are grateful and pleased to have worked with Jared as he spent many hours of his "little free time" and completed this program. You won't find a harder working, more committed professional out there than Jared. It was a pleasure working with Jared as he sprinted to a great finish. Welcome Jared!!Schedule a Meeting with JohnSchedule a Meeting with Jared

Join John and Jared where we discuss how to properly use term insurance. Why use term insurance with the Infinite Banking Concept? What impact does this have on a modified endowment contract, or "MEC"?  What about "thin" contracts, where you use very little base and mostly paid up additions (or PUA)? Even though Term Insurance provides no cash value accumulation, no borrowing capability, and no permanent coverage, it is still an important! Term Insurance can provide an increased Death Benefit to your family and beneficiaries, as well as future flexibility if converting term to permanent insurance. John and Jared discuss this in detail.Schedule a Meeting with JohnSchedule a Meeting with Jared

There are many kinds of life insurance on the market. Everyone knows the temporary "Term Insurance", but most don't realize that it is actually much more expensive in the long run. Let us show you why dividend paying whole life insurance is actually a far better value! With a properly structured whole life policy, the value will surprise you! Where term insurance is an expense, whole life is a whole new asset class in your financial plan! Learn that how you can use term insurance with whole life to create an unbeatable cash fortress for the future... and turn that term into permanent insurance along the way!Schedule a Meeting with JohnSchedule a Meeting with Jared

Join John and Jared as we ask the obvious... If the Infinite Banking Concept was so great, why aren't more people doing it? Here's the truth: The ability to do this has been around for over 200 years! Walt Disney used it. JCPenny used it! What happened with ERISA, the legislation that gave us the 401K? Everything changed, and Wall Street and the banks have done very well with your retirement funds. How has the average American done managing their own retirement funds? It's not a pretty picture for many. The "defined benefit plan" or traditional pension, which guaranteed income for life, has been replaced by the defined contribution plan. This change shifted all responsibility for funding retirements from the employer to the employees.Schedule a Meeting with JohnSchedule a Meeting with Jared

In this 10th episode of Creating Tailwinds, John and Jared discuss the last section of the book, Becoming Your Own Banker. What is the monetary value of a college education? What if you are uninsurable? Is a 529 plan a good idea? The Free Application for Student Aid or "FAFSA" along with hoops every parent and student must understand. We can show you real examples of why Infinite Banking Concepts is invaluable here. Guaranteed safety, privacy, cash value, access, and control, regardless what the markets or Federal Reserve are doing!Schedule a Meeting with JohnSchedule a Meeting with Jared

Those who have created businesses understand there is a cost of acquisition. The adage “it takes money to make money” rings true. John and Jared follow similar pathways to understanding how the cost of acquisition applies as you Become Your Own Banker. What happens when you begin to think like a banker? How does the bank find return on these costs! They also address questions about better rates of return. Most people are completely missing the beautiful simplicity of controlling not 10 or 20% of their money, but ALL of it! You win every time. Remember Nelson would tell us to be the master of two industries, your day job, and banking!Schedule a Meeting with JohnSchedule a Meeting with Jared

Infinite Banking is a process that must be both capitalized and implemented. Desire is key! No one will do this for you. Capitalization without implementation will leave you missing out on the greatest financial tool you have available, your money and your imagination! It takes money to make money, but you don't need a Rockefeller to get going! It's not about rates of return or investments of any kind. It's about being deliberate about recapturing the interest you are needlessly paying someone else's bank. Join John and Jared today for more interesting conversation about Infinite Banking Concepts.Schedule a Meeting with JohnSchedule a Meeting with Jared

Beginning with Saint Patrick Day memories in Chicago, John and Jared dive into the incredible benefits Infinite Banking brings to equipment leasing. You can easily see how you can build a powerful banking system for yourself and for your business! You absolutely can do this! The longer you wait the more regret for not starting sooner will hit you. Rinse and repeat and watch your bank grow... with guarantees and certainties, not speculation and hope!Schedule a Meeting with JohnSchedule a Meeting with Jared

Don't miss this extended version covering Think Tank 2025 in Orlando, Florida! Meet some of the rising stars and hear wonderful testimonies of IBC Practitioners and how IBC changed lives. Setting up a banking facility for your business AND creating a legacy for those you love has never been easier. Please tune in and contact us with any questions at [email protected] a Meeting with JohnSchedule a Meeting with Jared

Discover how the essence of the Infinite Banking Concept is all about recovering the interest that you normally pay to some other banking institution. We talk about the five ways to buy a car, demonstrating why capitalizing and paying with your own system is far superior than the other options. You'll understand there are only two hard and fast rules. First, Don't be afraid to capitalize your system. Second, don't make policy loans without provisions for paying them back. Important aspects discussed in the book "Becoming Your Own Banker" by R. Nelson Nash.Schedule a Meeting with JohnSchedule a Meeting with Jared

Stop paying thousands in interest to banks and finance companies. Learn about the Infinite Banking Concept. IBC creates an entity by using whole life, dividend paying life insurance that you own and control. There are extreme shortcomings when you try to use universal or variable life insurance. Our need for capital far exceeds our need for a death benefit while we're alive. How do these policies fill that gap and provide both? Infinite Banking delivers unrestricted access to your money, that grows tax free while you have access to loans against the asset created. A 401k, an IRA, a 403b, and even a 529 plan don't come close when it comes to your freedom to access your money! Understand that term insurance is the most expensive insurance you can buy over a lifetime. Banks lend money to individuals and businesses that they deem worthy. What if you didn't need them? Join John and Jared to discover why you don't!Schedule a Meeting with JohnSchedule a Meeting with Jared

There are four basic human factors preventing you from becoming financially secure. Join John and Jared as they continue through "Becoming Your Own Banker" by R Nelson Nash. Regardless if you're concerned about taxes, inflation, retirement, funding your children's education, or capitalizing your business, Infinite Banking Concepts provide a solution like no other!Schedule a Meeting with JohnSchedule a Meeting with Jared

We continue exploring the Infinite Banking Concept from R. Nelson Nash's book, "Becoming Your Own Banker". Join John and Jared as they discuss how creating your own asset through Dividend Paying, Whole Life Insurance can provide security and confidence. By taking control of ALL capital entering your household, you realize the opportunity to recapture 34.5% of every dollar leaving your control. Learn more about what this means and how to implement it in your own family and/or business.Schedule a Meeting with JohnSchedule a Meeting with Jared

John Urbik and Jared Adams, both highly accomplished aviators, cohost this exciting new podcast designed to bring the power and simplicity of the Infinite Banking Concepts to the aviation community and beyond. Understanding the unique financial issues faced by pilots, we bring a fresh, new perspective from the vantage point of the captain’s seat. Fasten your seat belts, it's time for takeoff. Let’s fly high and take control of our own finances by creating tailwinds in your financial environment!Schedule a Meeting with JohnSchedule a Meeting with Jared