E87 - How to Become Your Own Banker in 2026 (Full IBC Strategy Session)

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In this episode, Joe Withrow sits down with Brian and Hans from Remnant Finance for a live strategy session breaking down the Infinite Banking Concept from the ground up. We get into what a whole life insurance policy actually is (and isn't), why the bank has been profiting off your savings your entire life, how to borrow money against an asset without actually reducing it. If you've been curious about IBC but never had it broken down in plain language, this is the episode to start with.

Chapters:

00:00 – Opening segment

03:30 – What is IBC? The protect, save, grow framework

07:35 – Taking over the banking function: why the bank always wins

11:15 – Human life value: your most valuable asset isn't on your balance sheet

17:00 – Generational policies and setting up kids

22:30 – Policy loans explained: borrowing against vs. borrowing from

30:00 – Live illustration: how Hans funded a real estate syndicate

41:00 – The car purchase breakdown: policy loan vs. dealer financing vs. cash

46:00 – Does this work if you don't have dependents?

53:00 – Brian's land story: how access to capital beat four competing offers

1:03:00 – Policy illustrations walkthrough: the cash drag period and when it flips

1:14:00 – Mutual companies, dividends, and why the math actually works

1:24:00 – Why Dave Ramsey's advice has an expiration date

1:33:00 – Who this is and isn't for

1:37:00 – Closing segment / how to book with Remnant Finance

Key Takeaways:

The bank is always profiting — the only question is whether you are. When you save at 3% and borrow at 6%, the bank isn't making a 3% spread. They're making a 100% return on every dollar they hold for you. IBC is about recapturing that function for yourself.

You're not borrowing from your policy — you're borrowing against it. The insurance company loans you their money, collateralized by your cash value. Your policy keeps compounding as if you never touched it. That's what makes it possible to use the same dollar more than once.

Cash attracts opportunities you can't plan for. Brian outbid developers on land behind his house — paying $80,000 less than the highest offer — because he could close in a week with no contingencies. That's not an investment strategy. That's just what access to capital makes possible.

The guaranteed growth is the point. This isn't an investment — it's a warehouse. The value is in having a pool of capital that grows uninterrupted, tax-free, by contract, regardless of what the market does or what loans you have outstanding.

IBC isn't for everyone right now — and that's okay. If you don't have consistent positive cash flow, forcing a premium payment will feel like a burden instead of a blessing. Brian and Hans will tell you that directly. Get the foundation right first.

If you've heard of Infinite Banking, you've probably also heard someone tell you it's a scam — or that you should just max your 401k and call it a day. Most people dismissing it have never actually had it explained properly.