Finance · Infinite Banking

What if you were
the bank?

The Infinite Banking Concept has been used by wealthy families and corporations for generations. Most people have never heard of it. Rico will walk you through it.

Rico is a Financial Associate with Experior Financial Group — not a certified Financial Advisor

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Becoming Your Own Banker by Nelson Nash — book cover
Becoming Your Own Banker
Nelson Nash
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by Nelson Nash

The book that started
everything.

If you want to understand the Infinite Banking Concept, this is the book. It's the original source — written by the man who developed the strategy — and it's the most-read resource on the topic for a reason.

Nelson Nash spent decades studying how banks work, how the wealthy manage their money, and how ordinary people could use the same tools. What he discovered became this book. It's not complicated. It's not a secret. It's just something most people were never taught.

Rico recommends reading it before your first conversation about IBC. Not because you need to — he'll explain everything — but because once you understand the concept, you'll wonder why nobody told you sooner.

"You finance everything you buy. You either pay interest to someone else — or you give up the interest you could have earned. There is no other option."

— Nelson Nash, Becoming Your Own Banker

The Concept

How Infinite Banking actually works

It's simpler than the name suggests. Click each step to learn more.

1
Build cash value +

You fund a specially designed whole life insurance policy — and it builds up cash value over time.

This isn't a standard term policy. It's a participating whole life insurance policy designed to maximize the cash value — the accessible, growing pool of money inside the policy. Premiums go in, cash value builds up, and the policy pays a dividend. The money grows tax-advantaged and is not exposed to market volatility.
2
Borrow against it +

When you need money, you borrow against your cash value — not from a bank.

You can borrow against your policy's cash value at any time, for any reason — car, investment, business, real estate. The key: your cash value keeps growing as if the loan never happened. You're borrowing from the insurance company using your policy as collateral — not withdrawing your own money. Your full cash value continues compounding.
3
Pay yourself back +

You repay the loan on your own schedule — and the interest goes back into your system, not a bank's profit.

When you repay the loan, the interest goes back into the policy ecosystem — not to a bank's shareholders. There's no fixed repayment schedule. You set the terms. The discipline of repaying yourself is the key — it's how you keep the system growing and available for the next use. Over time, you become your own source of financing.
🎙️

Farmers in Finance Podcast

Rico dives deep into the Infinite Banking Concept — and other financial strategies built for real life — on the Farmers in Finance podcast. Plain language, real examples, no fluff.

Listen at farmersinfinance.com →

Common Questions

Things people ask Rico about Infinite Banking

Click any question to read the answer.

Is this just whole life insurance?+
It uses whole life insurance as the vehicle — but the strategy is about how you use it. A standard whole life policy isn't the same as one designed for Infinite Banking. The policy needs to be structured specifically to maximize cash value. That's the difference.
Is Infinite Banking a scam?+
No. It's based on participating whole life insurance — a product that has existed for over 150 years. Major banks and corporations use it to hold their own capital. Like any financial tool, the results depend on it being set up correctly. That's why understanding it matters.
Who is this right for?+
IBC works best for people who have their basics covered — some savings, protection in place — and want a long-term strategy to build wealth outside the traditional banking system. It's not a get-rich-quick tool. It's a multi-decade approach to building your own private banking system.
Do I need to read the book first?+
Not at all — Rico will explain everything in your one-on-one. But reading "Becoming Your Own Banker" first means you arrive at that conversation with context, and the strategy clicks faster. Either way works.
How much does it cost to start?+
It depends on your situation. Policies are typically funded with a monthly premium — it varies based on age, health and how the policy is structured. Rico can walk you through what a starting point looks like for your specific situation in a free consultation.
What does Rico's free analysis include?+
Rico reviews your full financial picture — income, debts, insurance, savings, retirement — and shows you where you are and what the gaps are. From there, IBC may be one tool in the plan. It's free, no obligation, and always starts with your situation first.

Ready to Talk?

Book a free one-on-one
with Rico.

You don't need to have it all figured out. Bring your questions — or just curiosity — and Rico will walk you through the whole concept in plain language.

  • Read the book (optional but recommended) — it's the best starting point
  • Book a free one-on-one with Rico — no pitch, just a conversation
  • Walk through how IBC could work in your specific situation
  • Rico will include a full free financial analysis — so you see the complete picture
💬 Book a Free Chat with Rico See the Free Analysis →