Скачать или смотреть The Truth About Infinite Banking: What You’re Not Being Told

Before you commit to a whole life insurance policy, you need to understand what it really is and what it isn’t. This week on the Tax Smart REI Podcast, we sit down with financial planner Alex Savage, CPA and CFP, to break down the infinite banking concept and whether it truly makes sense for real estate investors and high-income earners.

You'll learn:

What whole life insurance and infinite banking actually are (beyond the sales pitch)
Why policy loans aren't “free money” and how they really work
What hidden costs, commissions, and risks most people overlook
How this strategy compares to simply investing in real estate or ETFs
Who this approach might actually work for and who should avoid it

If you've been pitched on infinite banking or are wondering whether to use life insurance as an investment vehicle, this episode gives you the full picture so you can make an informed decision.

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0:00 – Intro to the Tax Smart REI Podcast
0:12 – Guest Introduction: Alex Savage, CPA & CFP
0:32 – Breaking News: Launch of REI Daily Newsletter
1:22 – Alex’s Background and Why This Topic Matters
2:23 – Why This Topic Is Important for Real Estate Investors
2:35 – What Is Whole Life Insurance and Infinite Banking?
3:42 – Pros of Whole Life Insurance
4:44 – The Infinite Banking Concept Explained
5:09 – Who Is This Strategy a Good Fit For?
6:07 – Example Profile: High-Income Mid-30s Investor
6:55 – Common Drawbacks and Marketing Gaps
8:04 – Dividends Explained: Return of Premium, Not Gains
8:26 – Policy Loans and How Interest Really Works
9:10 – Hidden Risks: Lapsing and Misunderstandings
10:08 – Summarizing the Mechanics of the Policy
11:02 – Clarifying Loan Structure and Compounding Interest
13:07 – Positive: Growth Continues While You Borrow
14:01 – 2025 Tax Planning Promotion
15:00 – Summary of How the Policy Functions
15:47 – Sample Policy Breakdown and Timeline
16:59 – Internal Rate of Return (IRR) Deep Dive
18:23 – Slide to Actual Numbers: PUA Costs and Cash Value
19:22 – Growth Over 40 Years and Best-Case Scenario
20:55 – Perspective on Death Benefit vs. Cash Value
21:20 – Free Resources and Podcast Support Appeal
22:00 – IRR Still Low: Why It Matters
23:03 – If Your Goal Is Capital Accumulation…
24:03 – Alternatives to Whole Life: ETFs, Real Estate, Business
25:28 – Buy Term and Invest the Difference: The Classic Counter
26:20 – Cost of Investing Is

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