StackedLife - Authorized Infinite Banking
by John D. Perrings
StackedLife is the podcast for smart savers hungry for real, proven financial strategies. I'm John Perrings, an Authorized Infinite Banking Practitioner. In this weekly podcast, I cut through the noise to deliver practical, principle-based strategies rooted in IBC that work regardless of market conditions. If you're done with status quo advice and want to grow your wealth and income with safe, foundational strategies, this is your roadmap to financial independence.
Episodes
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Savers are losing control (How becoming your own banker fixes it)
Most savers in America are losing control of their money, and they don't even realize it. In this episode, I focus on the Infinite Banking Concept's core purpose: controlling your capital. Becoming Your Own Banker isn't about chasing returns. It's about knowing your money is there, growing...
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Most People Choose The Wrong Financial Path — Only One Puts You In Control
Most People Choose The Wrong Financial Path — Only One Puts You In Control There are 3 financial paths everyone takes — the default plan, the high-risk "hack" plan, and the principles-based plan. Only one actually puts you in control of your capital. In this episode of StackedLife, I break down…
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Keynote: Balanced policy design for max cash value
My keynote to 200+ Infinite Banking Advisors at this year's IBC Think Tank. Policy design for Infinite Banking is not just about getting the highest cash value in the first year. There is no expertise in these types of designs. The expertise lies in helping people massively increase the control...
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Inside Trent Fortner's Playbook: How top advisors use whole life to create lifetime cash flow for clients
The legendary Trent Fortner helps people see the dangerous, hidden corners present in almost everyone's financial picture. We get into the numbers to prove that whole life insurance is about 1/2 the cost of term insurance, if you know how to calculate it accurately using financial math. If you're...
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How I design Infinite Banking policies that grow with your income
The trendy obsession with "efficient policy design" in the whole life insurance and Infinite Banking space is cutting policy owners’ financial potential off at the knees. The mindset is based on a fundamental misunderstanding: the belief that the growth of a life insurance policy works like an...
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Why you don't need a "master plan" to start IBC
In this episode, we tackle the paralysis that keeps people from starting with Infinite Banking: not knowing what to do with your policy once you have one. It’s important to understand that strategically capitalizing, in and of itself, *is* the strategy. You don’t need a master plan to start…
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"Invest for the long term" is a trap
"Invest for the long term" is one of the golden rules of Wall Street. But with conventional investing, it's really just a justification for the volatility and loss of control that come with locking your money in the market for decades, hoping everything goes right, on returns that aren't even…
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Why you're hestitating on whole life (and how to stop)
Fear, uncertainty, and doubt around whole life insurance keep people stuck in analysis paralysis, unable to move forward with Infinite Banking, despite its proven track record. But understanding where this "FUD" comes from and why it's largely overblown helps us understand that it's actually…
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7 Cash flow shifts to fund Infinite Banking
Most people struggle to free up cash flow because traditional financial planning locks their money away in illiquid accounts and debt payoff strategies, leaving them vulnerable when opportunities arise and unable to capitalize on the moments that matter most. More From John: 1. Get a free...
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Financial Planning is a Complete Disaster
Conventional financial "planning" is a misnomer: it relies on an unstable foundation of market variables, gives up control, and follows the herd. Learn three timeless principles of a financial strategy based on certainty and control that allow you to stop chasing risk and build your own banking...
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Build This First (Then Pay Off Your Debt)
High-interest debt can feel like an impossible treadmill. This episode explains why traditional debt payoff strategies often leave you broke and vulnerable, and reveals a powerful method to eliminate debt while simultaneously building your wealth and income. Topics Discussed: (00:00) - Stop...
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Beat Rising Prices with IBC
Conventional financial advice tells you to take on risk in the hopes of "outpacing" inflation and rising prices. But this often reduces your cash flow today and makes the problem even worse. This episode breaks down how to combat the struggle of rising prices by using the Infinite Banking Concept...
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A Business Owner's IBC Journey
In this episode, I'm talking with my StackedLife colleague, Adrienne Patel, about her journey as a business owner and real estate investor. We talk about how the Infinite Banking Concept (IBC) accelerates those endeavors and helps to create multiple income streams for her and her family. You'll...
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Stop Chasing IBC Tactics and Focus on Principles Instead
Many people get caught up in the financial tactics that sometimes go with Infinite Banking, but they overlook the unchanging principles that make strategies sustainable. This leads to reactive decisions and vulnerability when markets shift, leaving them without control over their money. Topics...
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How to Scale Your Premiums Up and Down
Whole Life insurance premiums are not as "locked-in" as people sometimes fear. Listen in to learn how to scale premiums down during a cash crunch and, more importantly, scale premiums up to accelerate growth. Especially important topic for those implementing The Infinite Banking Concept. Topics...
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The Dangerous Illusion of Average Returns
Average rates of return are a dangerous illusion based on flawed statistics. In most cases throughout history, real returns were lower than market averages, and the difference was in the millions. LINKS: 1. Get a free one-on-one Financial Assessment 2. Get my free weekly newsletter with exclusive...
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The IBC Operating System: How Currence Transforms Your Cash Flow
Discover how Currence acts as the "operating system" for Infinite Banking by automatically capturing every dollar that enters your life and reversing the flow from unconscious spending to unconscious saving. Learn how this technology separates your consumption choices from your income, enabling…
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The True Cost of Term Insurance
Is term insurance to blame for the fact that every generation essentially has to start from zero, financially? In this episode, I break down the real financial math behind term insurance versus whole life insurance, revealing how a seemingly 'cheap' $1,100 annual term premium can actually cost a...
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The Financial Planning Bubble
In this episode, I explain why typical financial planning advice has created a modern-day macro bubble where everyone is buying the same assets at any price, and how Infinite Banking is a principles-based approach that provides guarantees and control instead of relying on market variables and…
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The Math on Whole Life Insurance Returns
In this myth-busting episode, I'll translate the complex math behind whole life insurance returns into language everyone can understand. Using real numbers and my favorite financial calculator, I'll show you why comparing whole life insurance to other investments without accounting for taxes…
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Why the Number 1 Superpower of IBC is Control
Control is the most powerful benefit of Infinite Banking, yet most people overlook it. Find out why it matters more than any interest rate or dividend. LINKS: 1. Get my free weekly newsletter with exclusive content on financial education 2. Work with me: Schedule a consultation (00:00) - 011 Why...
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How Much Do You Need to Start IBC?
In this episode, I tackle one of the most common questions I receive: "How much money do you need to get started with Infinite Banking?" In addition to some hard numbers, I explain the practical ranges, introduce my "Goldilocks Rule" for finding the perfect policy balance, and share strategies…
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Tax Advantages of IBC Whole Life
Most people know life insurance has a tax-free death benefit, but that's just scratching the surface of tax advantages. In this episode, I break down the three powerful tax advantages of whole life insurance and explain how the Infinite Banking Concept leverages these benefits to create...
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High Risk with High Early Cash Value
What Social Media Influencers Aren't Telling You About "High Early Cash Value" Policy Designs "High early cash value" (sometimes referred to as "90/10") whole life policies are frequently promoted across social media, promising maximum early cash value with seemingly no downside. In this episode…
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Term Life Insurance vs. Whole Life
When evaluating term life insurance vs. whole life, you've probably heard the advice to 'buy term and invest the difference.' This popular recommendation has one glaring problem: it uses simplistic grade school math to add up premiums and declares whole life insurance 'too expensive.' But when we...
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The Ideal Candidate for Infinite Banking
Find out if you're the ideal candidate for Infinite Banking in this episode, where I discuss who benefits most from IBC. Learn how this powerful strategy creates four key advantages: accessible "forced savings," smarter debt elimination, strategic funding for large purchases, and accelerated...
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What is Whole Life Insurance Cash Value?
The cash value of whole life insurance is one of the most enticing aspects of whole life and, yet, one of the most misunderstood! In this episode, learn all about whole life insurance cash value, what it is, how it can be used, and why we should even care. LINKS: 1. Free mini-course: Adding...
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What You Need to Get Started with IBC
The biggest mistake people make when getting started with IBC is not choosing the wrong insurance company or getting an "incorrectly" designed policy. The biggest problem is just waiting too long trying to get everything perfect. The truth is whole life insurance is actually really hard to mess…
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Is Infinite Banking Really Legit?
Most of the FUD (fear, uncertainty, and doubt) created around The Infinite Banking Concept is due to mainly two things: An unfamiliarity and misunderstanding of the fact that Infinite Banking is a process. Ignorance about what whole life insurance is as a financial product. It's an unfortunate…
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What Is Whole Life Insurance (in Plain English)?
Is whole life insurance really as bad as some financial gurus claim? Or is there something they're missing? In this episode, we cut through the noise and explain whole life insurance in plain English so you can make an informed decision for yourself. Learn how whole life insurance combines the…
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What is Infinite Banking (in plain English)?
In this first episode of my relaunched podcast, I'm breaking down The Infinite Banking Concept in plain English. After implementing IBC for hundreds of clients and reaching over 60,000 listeners with my previous podcast, I'm excited to share how you can take control of your financial future by...
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Crate a Financial Life of Confidence, Security, and Happiness
Subscribe to this podcast to learn everything you need to know about Infinite Banking, whole life insurance, and the strategies that make it all work. Take control of your financial future and start living a life of confidence, security, and happiness. LINKS: 1. Free mini-course: Adding Financial...
About this show
StackedLife is the podcast for smart savers hungry for real, proven financial strategies. I'm John Perrings, an Authorized Infinite Banking Practitioner. In this weekly podcast, I cut through the noise to deliver practical, principle-based strategies rooted in IBC that work regardless of market conditions. If you're done with status quo advice and want to grow your wealth and income with safe, foundational strategies, this is your roadmap to financial independence.
Hosted by
John D. Perrings