Protect your Money Now
Protect Your Money Now!
How to Build
Multi-Generational Wealth Outside of Wall Street and Avoid the Coming Banking Meltdown
Protect Your Money Now!
302 Martinique Drive
Winter Haven, FL 33884
Copyright © 2023, Charles DeLadurantey
Published in the United States of America
Book ID: 230518-02324.3
No parts of this publication may be reproduced without correct attribution to the author of this book.
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Here’s What’s Inside…
Why This Book Is For Everyone..........................9
Everyone Is In the Banking Business.............22
The Origins of Insurance and a
Brief History of Life Insurance.........................37
“Playing Around” In the Stock
Market – A Fool’s Errand....................................50
IBC – Advantages and How to
How to “Find the Money” and
Build Your Banking System...............................62
Will There Be a Run On the Banks? ................66
This Is the Reality of Most Americans ...........69
Simple But Not Easy, the Way Forward for You and Your Money
After reading this book and comprehending its basic concepts, I hope you will be encouraged to begin to think and act differently. If you do
not act, then you did not understand the book and the life lessons from me and many others. If you don’t act, read this book again until a new way of thinking is born into your mind and moves you to a new way of acting with your money. If you understand the information contained in the book, you will know what to do with your money for the rest of your life.
If I were to summarize the concepts described in this book in the most simple and straightforward way, it would be this:
Change your thinking, and then
your behavior from:
Earn – Spend – Save
Earn – Save to Build Capital – Spend
Like I said already: Simple But Not Easy
If you begin repeating this back to yourself and apply your imagination and creativity through deliberate actions, the results will change your financial life for the better.
If, like me, you are tired of the continual economic boom-bust cycles, take a moment to stop and read this book. There is hope; it was always there, hidden in plain sight. The “banking crisis” going on while I write this book in 2023 is nothing new.
The economic myth and malfeasance of a central banking system have hundreds of years of history of failures and rebirth, only to fail again.
Growing up in the 1960s and 1970s, I was always amazed by how people seemed to work their whole lives and die poor.
My grandparents never owned a home and lived paycheck to paycheck and struggled to make ends meet. My parents, while they managed to purchase a home with the help of a mortgage and the VHA (Veterans Housing Administration), eventually lost it due to a divorce and bankruptcy. Witnessing their financial struggles left a strong impression on me, and I became determined not to end up like my parents and grandparents. This determination led me to work incredibly hard and focus on my studies, all in pursuit of a financially stable future.
Over the years, I poured my energy into my career, climbing the corporate ladder and working tirelessly to provide for my family. However, in my mid-sixties, I still found myself wondering how I would ever retire.
I was still working and still in debt. My only significant asset was my home, which still had a mortgage to pay off. This realization shook me to the core, and I began to question what I had been doing wrong all these years.
It was then that I remembered a man who had come into my life 20 years earlier and introduced me to the concept of building up substantial amounts of capital inside a whole life insurance policy. This man, a devout Christian, believed that the key to financial security and leaving a legacy for one's family lay in the power of whole life insurance.
This concept stuck in my mind for 20 years, but unfortunately, I never acted upon it.
Instead, I made a series of choices that, while well-intentioned, only served to further entrench me in financial uncertainty. I invested in a vacation home for my family, thinking it would be a fun and valuable asset to pass down to our children.
But the reality of maintaining this property soon became a significant burden on my cash flow. The vacation rental market provided some relief, but it was not enough to break even. Then, when the housing market crash of 2008 struck, I was forced to sell the property to stay afloat.
After a long downturn in my business, I had to go back to work as a middle executive in several larger corporations. This career shift was a considerable blow to my entrepreneurial spirit, and I found myself longing for the freedom and control I once had over my financial destiny.
Then, in 2019, my mind brought back the concept of saving capital or cash into a properly structured whole life insurance policy. I was sure it was divine intervention that led me to rediscover the teachings of R. Nelson Nash, a godly Christian man who overcame his financial crisis in the 1980s by using the cash value of several life insurance policies.
Nash's realization, which he called the Infinite Banking Concept, was that by using the cash value of his whole life insurance policies, he could pay off his mortgage loans and capture the interest into his own "banking system." This innovative idea hinged on the power of uninterrupted compound interest, which can accumulate wealth over time and provide a stable financial foundation for individuals and families.
As I delved deeper into the concept of Infinite Banking, I began to understand its potential to help me achieve financial stability and independence. I decided to take action, purchasing a whole life insurance policy and starting to accumulate cash value within it.
Over time, I used the cash value to support my entrepreneurial ventures and to pass along enough tax-free cash to my heirs so they could direct those funds to pay off any remaining mortgage on my home.
After only three years, I would call the results nothing short of miraculous. For the first time in my life, I felt in control of my finances, no longer shackled by the burden of debt and interest payments.
I was able to rest. comfortably, knowing that my family would be taken care of in the event of my death, thanks to the death benefit provided by my whole life insurance policy.
Moreover, the cash value within the policy continued to grow, providing a reliable source of income and financial stability into my “retirement” years. As to the meaning of the word “retirement”, I will be writing more about this in the chapters that follow. Specifically, I will cover what the Bible does or does not say about retirement and the origins of retirement thinking in modern history.
Infinite Banking not only helped me overcome the financial struggles that plagued my family for generations but also taught me valuable lessons about money, wealth, and the power of taking control of one's financial destiny. It showed me that it is possible to break free from the cycle of debt and dependence on external financial institutions and, instead, build a strong foundation of wealth and security that can be passed down through generations.
As a Christian, I firmly believe that God led me to rediscover the teachings of R. Nelson Nash and the Infinite Banking Concept. This belief is reinforced by the fact that many of the principles underlying Infinite Banking align with biblical teachings on money, stewardship, and the importance of leaving a legacy for one's family.
Proverbs 13:22 states, "A good man leaves an inheritance to his children's children," emphasizing the importance of building wealth not just for oneself but for future generations. Infinite Banking, with its focus on using whole life insurance policies as a means of accumulating wealth and providing financial security, embodies this principle of leaving a legacy. Similarly, the Bible teaches us that we should be good stewards of the resources God has entrusted to us.
The parable of the talents in Matthew 25:14-30 highlights the importance of diligently and wisely investing one's resources to grow wealth and serve God's purposes. Echoing these biblical teachings on stewardship and financial responsibility, Infinite Banking encourages individuals to take control of their finances, invest in their own wealth, and avoid the pitfalls of debt and reliance on external financial institutions.
My journey toward financial independence and stability was not an easy one. It took hard work, determination, and the discovery of the Infinite
Banking Concept for me to finally break free from the cycle of debt and uncertainty that had plagued my family for generations.
As I continue to share my journey and insights, I hope to inspire others to take control of their financial destiny. In the following chapters, we will delve deeper into the practical applications of this powerful financial strategy and explore how it can transform your life.
Why This Book Is for Everyone
The title of this chapter may seem a bit outlandish and full of hubris to you, so I will break it down into age groups below.
Children Under Age 5
Children at this age can learn about self-control, delayed gratification, and how to obey those in authority. Learning habits and understanding how relationships work in the world of family, church, and business pretty much sum up what it takes to be a successful person. When the understanding of these basics is empowered by the light of God’s Word and led by the Spirit of God, a person will live differently and will give glory to the Creator with humility and respect for others.
The fifth commandment states: “Honor thy father and thy mother, that thy days may be long upon the land which the Lord thy God giveth thee.”
I am a firm believer that if you train in the child the main things and plain things before age five, that foundation will guide the rest of their path.
Speaking with the particulars in mind about the information you will read later in this book, one must remember that the Bible does not say money itself is evil but rather that it is the love of money that we need to be cautious about.
Also, another concept to think about is the sense that every life has an economic value.
Life is a gift from God. He does want us to apply our minds, skills, and talents in a world where converting such things into a monetary value is just part of human action and the resulting economic effects that will occur. God’s design is for the family to be at the core of any culture. When that culture places the Creator at the center of family life and Christian community through church life, the benefits extend to all who connect to the core. Family government and planning can extend to the culture of one’s time in His plan and into future generations.
I challenge the reader to ask, “Is there a method with Orthodoxy that can be learned, practiced, and passed on that avoids the pitfalls and temptations of the modern-day stock market and get-rich-quick schemes by which a family can be guaranteed too proper unto many.
You see, most parents and grandparents invest many days of their lives directly into their children and grandchildren. It is a supernatural gift from God for parents and grandparents to want to leave of legacy of prosperity unto future generations. Later in this book, you will be reading about the concept and history of insurance and then, particularly, life insurance.
Using the language of insurance, parents and grandparents have an “insurable interest” in the lives of these precious little ones and, as such, can purchase life insurance for them. When using certain methods and processes, they can utilize some of the premiums paid and eventually turn over the ownership and rights of the life insurance policy (a type of contract) to the children as they reach adulthood.
This can be a powerful way to build up a college fund or just help the young person to get into adult life without much debt. Additionally, this creates a super affordable premium due to the young age.
At which the policy was originally purchased and levering the money multiplying effect of how cash value will grow in later years of the policy when mom/dad and grandma/grandpa have passed away.
Why the principles in this book (widely known as the Infinite Banking Concept (IBC)) apply to everyone:
Children Aged 5 -13
These children should be learning to become adults and learn about how money works and how our government and banking systems should work. If a child can begin to understand the IBC way of living now, the harvest will be great in the later years of adulthood.
Parents and grandparents can purchase additional or new life insurance for the lives of these young folks and, at some point, assign the ownership to them. Ownership can be assigned when they are teenagers or can wait until the insured child is older and hopefully more knowledgeable and wiser.
Character building would be a good focus for this group of budding adults. Money skills should also be trained and discussed around the dinner table at times. Learning how to estimate the time and materials for family projects is key to family unity within a framework of hard work.
Deuteronomy 6: 4 – 14 makes it very clear what we are to do love and train our children:
4 Hear, O Israel: The Lord, our God, is one Lord:
5 And thou shalt love the Lord thy God with all thine heart, and with all thy soul, and with all thy might.
6 And these words, which I command thee this day, shall be in thine heart:
7 And thou shalt teach them diligently unto thy children, and shalt talk of them when thou sittest in thine house, and when thou walkest by the way, and when thou liest down, and when thou risest up.
8 And thou shalt bind them for a sign upon thine hand, and they shall be as frontlets between thine eyes.
9 And thou shalt write them upon the posts of thy house, and on thy gates.
10 And it shall be, when the Lord thy God shall have brought thee into the land which he sware unto thy fathers, to Abraham, to Isaac, and to Jacob, to give thee great and goodly cities, which thou buildedst not,
11 And houses full of all good things, which thou filledst not, and wells digged, which thou diggedst not, vineyards and olive trees, which thou plantedst not, when thou shalt have eaten and be full.
13 Then beware lest thou forget the Lord, which brought thee forth out of the land of Egypt, from the house of bondage.
14 Thou shalt fear the Lord thy God, and serve him, and shalt swear by his name.
I believe that you will not be able to own and apply the charge as defined by God in these verses by sending your children into the juggernaut of public education. You need to own the education of your children in every way.
Instead of sending children to school to be programmed into socialists with a slave mindset, I suggest you home-educate your children. Teach these teens and young adults the bible and biblical concepts about money and wealth and all the cautions the bible offers, then charge them with nurturing and multiplying the resources given to them by God.
Teens and Young Adults Aged 13 – 21.
After the hard but infinitely important work up until this age group, you should have a platform for launching into family-based endeavors that will teach the skills of hard work, risk, and stewardship that will last a lifetime.
While other families are spending money for “education” without learning, you will be building an army of capable young people who can take on the cultural challenges while also “making tents” like the Apostle Paul. In fact, by starting entrepreneurial endeavors earlier, your family will surpass many and not be a slave to the lender.
The IBC way will have much to do with changing your future after you have established a powerful foundation, one that ties your family together and gives glory to God.
Unless one of your young people is uniquely called into a life of celibacy (meaning God’s call for you is never to marry), the goal is also to prepare them for marriage and family life. They will be equipped with many ways to prosper and help others in the path ahead.
Young Singles and Young Married Couples Aged 21 -30
As you have prepared young people to avoid foolish lusts, to grow in truth through the Word of God, and to apply their skills in industrious and productive ways, the door of their future will open. Marriage among these biblically trained young adults should be enabled by strong connections in the world of work and business. Many times, family-to-family interactions facilitate the relationship building that leads parents to encourage marriages and get behind the new couple’s efforts to expand the multi-family Kingdom influence and outreach.
Though some may be called to full-time Christian ministry, many will need to see God’s calling in the world of work and business at all levels. The young couples will then reproduce the cycle of nurture and economic prosperity with the leverage of a purposeful upbringing and the prayers of Godly parents and grandparents.
People 30 to 50 Years of Age
By this stage of life, if God will it to be, many will be ahead of their peers in terms of wealth creation and skill maturity. Many should be able to find new business opportunities and be innovators instead of followers.
Nothing in this life is without risk, but a good understanding of economics and money will go a long way to direct energy, time, and resources to godly and productive activities. Time management, an undervalued behavior, will be driven by way of thinking that evades those who are swept into the ways of the world when it comes to understanding money, time, the weight of debt, and the power of continuously compounding interest.
If you or your children were blessed by the principles we will cover later in this book, by this age, the multiplication factor of wealth creation begins to facilitate a many-fold increase in available resources from the “crop” planted in the earlier years.
People 50 -60 Years of Age
This can be a powerful age group for setting the stage and guiding the next generation and adding fuel to the fire of those who will outlive them all the way back to grandchildren. If you were able to start early in your life, this is a time of preparing for the passing of many blessings and enjoying the time with eager learners.
People 60 to 70 Years of Age
If you have made it this far in your journey, the way forward is not about conventional thinking.
It is not about retirement with golf, motorhome trips to anywhere at any time, and endless time at leisure.
The bible mentions nothing about retirement but much about purposeful living and spending your life for others. If you have the means to buy businesses or other investments to extend opportunities to your children and grandchildren, that is fabulous. If you don’t, that is fabulous too!
Why, you ask? Because God, the owner of the universe, has you right where he wants you. It is not about how many toys and things you have accumulated. It is about being transformed by the Spirit of God and being a transformer to those around you.
I did not change my financial path to IBC until I was 66 years old. I can tell you that it was still better later than never. I applied my learning through action, and now at age 70, my approach to money and my view of what is possible have been absolutely revolutionized.
People Age 80 and Beyond
I recently listened to an interview with a very wealthy person who said he knows many people who have not made their fortunes until after the age of 80. Consider this information as posted by Investment News dated August 24, 2017, at investmentnews.com/this-age-group controls-the-most-wealth-in-the-u-s-72049:
“Sixty? That’s young — for a rich person.
Six of the 25 richest Americans are over 80, according to the Bloomberg Billionaires Index. Carl Icahn and Charles Koch, for example, are 81. Earlier this month, Sheldon Adelson turned 84, and George Soros hit 87. Warren Buffett, the fourth-richest person in the world, with a net worth of $77 billion, celebrates his 87th birthday next week.
New data from the Internal Revenue Service show just how old the top millionaires and billionaires in the U.S. are. While people over 80 make up only 3.7 percent of the population, the IRS estimates they control a larger share of the nation’s top fortunes than people under 50.
The wealthy have probably always been older than the general population. Despite the example of Mark Zuckerberg, the world’s fifth richest person, at 33, it usually takes a long time to amass great wealth. Still, the imbalance is striking.
Every few years, the IRS analyzes the wealth of the richest Americans. Its Personal Wealth Study examines a rarefied group: people potentially subject to the estate tax. An estate tax is levied on individual fortunes of $5.5 million or more.
The latest study, released this month and that estimates personal wealth in 2023, finds 584,000 Americans, or about 0.2 percent of the U.S. population, have a combined net worth of $6.9 trillion. People in their 80s and 90s control $1.2 trillion of that wealth. Adults under 50, roughly 43 percent of the population, hold barely $1 trillion.
Wealthy people in their 80s have the highest average net worth of any age bracket. One reason is that octogenarians have less than half the debt, as a percentage of their total assets, than adults under 60.”
Dear reader, it is not too late to change. Start by finishing this book, and then take action on what you have learned. I did, and I will never regret it.
Charles DeLadurantey 21
Everyone Is In the Banking Business
Who Controls the “Banking Function” in Your Life?
Most people do not think about the banking process. You see, if you receive income or any inflow of cash (capital) and you send those funds back into the economic system through purchases or investments, you are using a banking process. Banking is a type of business. The question is, who controls the banking function in your life and who owns that banking system? Whether you are banking with a local bank or one of the big six mega-banks (JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, U. S. Bankcorp, PNC Financial Services), you are giving over control of YOUR banking system to those banks.
The Golden Rule of banking is “he who processes the ‘gold’ establishes the rules.” The bad news is that if you understand the Golden Rule of banking, you know that the banks you do business with determine all the rules and
22 Protect Your Money Now!
limitations for how your money is handled. Certainly, you know that if you want to borrow money from your bank. To do so, you will have to fill out a voluminous amount of paperwork and undergo scrutiny by people and systems that have their interests as #1, not yours. Have you taken out a mortgage lately? Since the 2008 bust in our economy, the amount of paperwork needed to secure a mortgage has increased significantly, and it is just plain harder to qualify for such loans. Beyond the challenges of dealing with the entity that controls your banking system, when you take a loan from a bank, the money to fund your loan comes from the banks’ ability to leverage their deposits through essentially a pyramid (think Ponzi scheme) process known as fractional reserve banking.
Fractional Reserve Banking – Not Your Friend
Fractional reserve banking is a system in which only a fraction of bank deposits is required to be available for withdrawal. Banks only need to keep a specific amount of cash on hand and can create loans from the money you deposit. Fractional reserves work to expand the
Charles DeLadurantey 23
economy and the money supply. It is the equivalent of making money out of thin air. Today, most economies' financial systems use fractional reserve banking, yet this does not make it a good thing.
When you place money into your checking account, it is known as a “demand deposit”. Your bank can use an amount specified as
capital to fund loans and pay you a very small amount, or nothing at all, for using your money. For instance, say you deposited $5,000 into a checking account. Some checking accounts may pay you some interest, subject to a minimum running balance. If not, you will pay checking account fees. Nice deal, huh? But this is all an advantage for the bank, NOT FOR YOU, the one who supplied the hard-earned money in the first place. Note, “he who owns the gold sets the rules” is at work here.
The fractional reserve banking process creates money out of thin air and stimulates the economy with such “money”. When you deposit that $5,000, your bank might lend 90% of it to other customers, along with 90% from five other customers' accounts. This creates enough capital to finance $22,500 in loans.
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Your balance still reflects $5,000, and the other customers that the bank borrowed from also see their balances remain unchanged. If all five customers have account balances of $5,000, it will look something like this:
- You and four other customers have $5,000 each deposited in checking
accounts that pay .0001% per year,
- If the bank can use 90% of its deposits for loans, the available capital is
$22,500 (90% of $25,000).
- A sixth customer asks for a loan of $10,000.
- The bank borrows 40% from each of the five accounts, totaling $10,000.
- There is still a balance of $5,000 in each account ($25,000 total between the six accounts).
- The bank essentially created $10,000.
- Today’s rates for unsecured loans (if you could get one) may be as high as 15% or more.
Charles DeLadurantey 25
- You receive interest payments of 0.0001% per year on your $5,000,
which is basically zero return, and the bank pockets the difference of
14.9999% as profit.
Well, to make matters even more unbalanced and fraught with the pyramid-type schema, during the alleged COVID pandemic, on March 26, 2020, the required reserve ratios against net transaction deposits were reduced to 0% for all banks. This essentially eliminates the reserve requirements. This only serves to put your deposit money at more risk and to tempt the bankers to go wild with other people’s money.
The foundation for our current banking system resides in the creation and perpetuation of the Federal Reserve Banking System. The Federal Reserve Banking System (commonly referred to as the “Fed”) is the product of financial elites (Morgan, Rockefeller, and Loeb, to name a few) from the late 19th and early 20th centuries that enables a centralized banking system to inflate the money supply without consequence for themselves and with the possibility of tragic outcomes for the depositors. In short, the Fed is a government-sanctioned cartel. Sadly, the move to create the Federal Reserve System was
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fueled by many intellectuals of the time who helped create the Fed monster. In plain language, the “old money” elites nourished the egos of the intellectuals by seducing them into a partnership to create a system of privilege and control over the money supply. The Fed is the father of the condition of statism inherent in our economy today. With a little research, one can find that the goal of these money elites was to transform the economy from laissez-faire (an economic theory from the 18th century that opposed any government intervention in business affairs) to a centralized, coordinated statism. This model, allegedly for the benefit of all Americans, has been staffed historically by intellectuals and technocratic socialists (or worse, communists), controlled by large corporations, and enabled by strong labor unions fostering a slavish-minded workforce. Think about this. The system does not advocate for you when you sign over your money to them.
Pay Me Now, or Pay Me Later!
When you sacrifice your cash to the traditional banking system, you are giving up control of your money and, at the same time, giving up
Charles DeLadurantey 27
other opportunities to earn money on your money. Creating your own private banking system gives you control and enables you to earn uninterrupted compounding interest on your money for your life and beyond (if set up for multi-generational wealth building).
The Power of Continuously Compounding Interest
One of the largest holders of the mechanism used to create continuously compounding interest is banks. Let me challenge your thinking a bit with what I call “My Two Cents”. If I offered the choice between receiving 2 million dollars today versus a guaranteed promise that I will pay you 2 cents today and double it by two times every day for the next 30 days, which one would you choose? Like most people, you might jump on the 2 million bucks and walk away. But do you have any idea how much money you “left on the table” by not choosing the “My Two Cents” path? If you do some quick math and double two cents every day for 30 consecutive days (remember, continuously compounding interest is the goal), at the end of 30 days, you will have over 10 million dollars! Now, speaking realistically,
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there is little to no method for doubling any amount of money every day (unless you are Sam Bankman Fried using a Ponzi scheme with Crypto). The point is that even a relatively small amount of money put to work for you over a longer period supported by a system of continuously compounding interest (at even modest rates) is VERY powerful to build wealth. This is what a private banking system can do for you and your family and for future generations.
Why Didn’t I Know About This?
The concept of privatized banking comes from the work of R. Nelson Nash. Mr. Nash basically had an epiphany of sorts that came out of a financial crisis in his life when, in the 1980s, he found himself swimming in high-interest debt related to his real estate investments and cried out to God to show Nelson a way out. The answer came to Mr. Nash to borrow against his existing whole life cash values at a lower interest rate to pay off the bank loans for the real estate. This approach eventually became known as the Infinite Banking Concept or IBC. The title of the concept includes the word infinite because Nelson Nash concluded that the
Charles DeLadurantey 29
uses for this approach were literally infinite and only limited by your imagination. Nash also stressed the IBC is also founded upon reason, logic, and the biblical principles about money and wealth accumulation. Why haven’t you heard about this? Well, IBC is basically counter-cultural, and you will not find many, if any, financial advisors that will know about it and not many will understand its power. You see, licensed financial advisors are trained by the system that Wall Street put in place, and they will only know how to do what they have been trained to do. They are not thinking outside the box of traditional (and risky) stock market investing. Did you know that over the last 20 years that a private banking policy outearned the stock market returns and included the advantage of having control and access to the money without penalties and fees? Additionally, it included a substantial death benefit. While the Wall Street madness of boom-bust cycles repeats itself (and if you bail out of the market at the wrong time, you will never recover your lost money) while the IBC practitioners just keep making money (guaranteed) every day, every week, every month and every year.
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What are the Keys to Understanding and Using the Infinite Banking Concept?
- You must destroy your short-term thinking. You must think long-term.
Remember, money that flows into your life and mine only has two sources –
money for which you work and money that goes to work for you.
- It is unlikely that families today will get by well without having both spouses work unless you find a way to get your money working for you, continuously without risk of loss, and IBC does
- You must understand that without IBC, you will give up all of your money to the pervasive banking system that you do not control and which will use your money without paying you a dime. Additionally, when you need money, the bankers will determine if you get money or not.
- Think about it like this, the best way to enjoy shade 20 years from now is to
plant a tree today. IBC will not only
create “shade” but will also help for
opportunities to find you that will
Charles DeLadurantey 31
propagate even more trees and shade. Eventually, IBC will foster an entire forest that will last for generations to come.
- Pay attention to government programs about money. Question the reality that, for the most part, the government today creates a problem such as onerous taxation and then turns around and creates ways to avoid such taxation (think 401(k), tax deductions, etc.). Today the government and the IRS code have voluminous exceptions for every type of person and financial status. Think about this, do you see a warped system of illegally taking your money and then the sick patronizing of Uncle Sam benevolently giving you a way out?
- It cannot be overstated that you literally finance everything you buy – you pay interest to someone else or lose the opportunity to earn more money from your money somewhere else. No one escapes this reality. You can capture interest paid to others and the lost opportunity of paying cash using IBC. Your money and mine must live
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somewhere, and if you do not have
access to your money or it is locked into only hard assets and not readily liquid (think about your personal residence once it has been paid off), this is a big problem. You will miss out on
opportunities that will come your way when you have capital at your disposal.
- The proof of the power of IBC is that many practitioners and life insurance agents who sell IBC-type policies to others is that they themselves cannot find enough ways to buy more policies.
Some people I know that are sold on IBC have 10, 20, 30 and some over 60
policies in force in their family, extended family, and businesses. This is money in motion, and these individuals and
families are doing things with their
money (in a responsible way) that they never could imagine before
implementing IBC. YES, this private banking thing is that good!
In summary, if you knew that you could set up a banking system that you control and that later in life, this system (properly structured and funded/capitalized) would give you back every
Charles DeLadurantey 33
dollar you put into the system – tax-free – How much money would you want to put into this system?
Are You a “Spender”, an “Investor” or a “Saver”?
- Views money as a means to buy “stuff”. • Every purchase costs him interest
⮚ The Borrower - Pays Up interest to others.
⮚ The Cash Buyer - Gives Up
interest earned on cash.
- Neither the Cash Buyer nor the
Borrower ever accumulates capital.
- Views money as a way to buy
investments (i.e., he trades his money for an investment that he hopes will go up in value)
- Every investment exposes him to risk. • Every gain costs him taxes.
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The Saver that learns how to be a “Banker” – This is my goal for YOU!
- Views money as a means to make money.
- Every purchase is an opportunity to gain.
- Always keeps his money working.
A word about our culture. Today we are so conditioned to get instant stimulation from our phones, our computers, and other media. Admit it; you are addicted to stimulation. Well, the “IBC way” is about long-term gratification. You see your money grows and compound EVERY DAY inside an IBC-type policy structure, but you don’t have to have a “ping” sent every day to tell you how much. That would be somewhat maddening. Once you get this concept and realize that if you stay the course and do the work, you will be able to put 1 dollar into your policy (your private banking container) and receive 2, 3 or more times that dollar back in cash value once you have deposited that premium payment.
For now, I am asking you to read on and wait for the IBC stuff to be explained. I am also asking you to begin to suspend what you
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thought you knew about money, the time value of money, the stock market, and believe that there are no legal get-rich-quick schemes out there. There is an over 100-year-old process that is sitting there waiting for you to wake up and smell the money!
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The Origins of Insurance and a Brief History of Life Insurance
It could be said that insurance as a method of addressing risk dates to the merchants of Babylon, as early as 4000–3000 B.C. By the 1400s, things changed a bit, and there came about something called Marine insurance came about and is similar to what we know today as property/casualty insurance or colloquially as P&C insurance.
Then in Ancient Rome, we see the advent of life insurance that was used to cover burial costs.
By the mid-1600s, fire insurance came on the scene in response to the Great Fire of London. Moving forward to the 1800s, we find the creation of stock life insurance companies. Up until the early part of the 1900s, there was little insurance regulation compared to today, and it was sort of the “wild west” in terms of how rates for coverage were established. The life insurance segment had its own challenges,
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including the inability to pay declared dividends and inadequate reserve amounts (money held to cover insured losses). Despite the many early challenges for companies offering life insurance, the life insurance industry grew to become a highly respected part of the financial services industry worldwide.
According to S&P Global Market Intelligence, the U.S. insurance industry’s net premiums written in 2020 were $1.28 trillion, with property-casualty (P/C) insurers getting 51 percent of the premiums and life insurers getting 49 percent, respectively.
The many uncertainties of the recent COVID-19 “pandemic” affected the life insurance industry. Consumer survey data as conducted by Lincoln
Financial Group found that more than 1/3 of consumers said that life insurance “is more important to own now due to the pandemic, while a third also said they have or are planning to purchase new or additional life insurance as a result of the pandemic,” according to Stafford Thompson, Jr., head of life product
management for Lincoln.
Experts in the Life Insurance industry expect continued growth for the next several years.
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According to David Levenson, President and CEO of LL Global, LIMRA and LOMA, the rate of new life insurance applications post COVID is a good indicator of the future of life insurance sales for 2021 and beyond.
Differences Between Term Life Insurance and Permanent Insurance
Two of the most common types of life insurance are term and whole life. Whole life is a form of permanent life insurance that lasts as long as you live (assuming you pay the policy’s premiums). Whole life includes a cash value account that can act as a way to store and save capital and then act as collateral for loans by the policy owner for other uses and investments (we call this the Living Benefit of Whole Life Insurance policies, that is, you don’t have to die to utilize the policy!). The cash value grows tax-free over the policy’s existence. A policyholder can withdraw cash value, but that is not a desirable step for most people practicing the Infinite Banking Concept. Term life insurance, on the other hand, lasts only for a certain number of years (the term) and does not generate any cash value.
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A Little More About Term Life Insurance
Life insurance is a legal contract between an insurance company (the insurer) and the insurance policyholder (the insured). The contractual aspects of an insurance contract make it very different in how the policy owner can act and what rights they have versus holding cash in a brokerage account or a bank. The insurer’s end of the contract is to promise to pay a designated beneficiary a certain sum of money upon the insured’s death (if the policy premiums are paid according to the insurance contract).
Typically, term life insurance policies are written for terms covering 10, 15, 20, or 30 years.
People considering whether to purchase a term life insurance policy often wonder what happens when the policy term ends.
Well, simply stated, your money is all gone = gone to the Insurance Company. At the end of the “Term”, the policyholder has ZERO death
benefit coverage and ZERO cash value. Although there may be a way to renew the policy, the cost of the same coverage will be
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considerably greater than what they paid when getting the original policy “in force”. To mitigate losing all the premiums paid, most insurers will offer a “rider” to the policy (at additional cost) that will guarantee a “return-of premium” at the end of the term.
Additionally, if you want to maintain term life insurance after your current policy terminates, you have two choices:
- Qualify and purchase a new term policy, a more desirable option for young and healthy people, especially if you are raising a family and need income
replacement assurance until the children are grown. In these cases, a medical
evaluation is typically required, and rates will be higher if significant new health challenges are present.
- Purchase a “conversion rider “for your current policy that will provide the
option of converting your term policy into a permanent insurance policy before the term ends and do so without a
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Can You “Cash Out” a Whole Life Insurance Policy?
One of the biggest benefits of a whole life insurance policy is its potential for cash value. A whole life policy accumulates value as you pay premiums. Depending on the contractual terms of surrendering your policy, you likely can “cash it out” and receive some portion of the premiums you paid into the policy, less some fees. By “cashing out” the policy, you will lose the guaranteed death benefits and, of course, lose any annual dividend payments that your policy was eligible to receive.
I advise that you should avoid ever “cashing out” a whole life policy before your death unless it is for grave situations such as a
terminal illness or incapacitation. Some whole life policies include provisions to allow the use of the death benefit due to life-ending illness, other health issues or even the need for long term care (this would be via a Long-Term Care (LTC) policy “rider” that is a great option instead of buying a separate LTC policy). For purposes of engaging in the IBC methodology, you can avoid withdrawals and use the policy loans and repay them over the course of your
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entire life based on the available cash value amounts. Loans and withdrawals will reduce the death benefit and cash surrender value of the policy. Failure to repay such a loan or withdrawal may cause your policy to lapse and end the coverage (hopefully in rare instances). The younger and healthier you are, the more whole life insurance you can buy and keep and, in many cases, use it to build a “warehouse of wealth”. Then this “warehouse of wealth” can be used for policy loans to make other investments, business ventures, college costs, large purchases and extended “epic” vacations. Your imagination is at work here.
What is the difference Between Term Life & Whole Life Insurance?
Whole life insurance generally has higher premiums than term life insurance policies. Other differences must be considered when choosing a policy, as well. The following outlines the key benefits of term life insurance and whole life insurance and highlights their key differences:
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- Costs are usually lower than whole life insurance rates.
- Policies are a set period; you get to determine your length of coverage
(usually from 10 to 30 years).
- Generally, getting a policy in place is a simple process where you decide which insurer to go with, the amount of
coverage you need, and how long you need it.
Whole Life Insurance
- Did you know that only 2% of term life policies wind up paying out a death
benefit? So, who do you think the
winner is here?
- Whole life insurance was not created by the insurance providers but was
- We consider dividend-paying, whole life insurance with a Mutual Insurance Company as the KING of life insurance methods. Term life is not even a Pawn except for closing the potential for a gap in financial conditions when you die.
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- Once you have a whole life contract in place, your premium payments will
never go up.
- Whole life policy cash values grow on a tax-deferred basis. Many policies even pay dividends to policyholders, which serve to raise the cash value and add to the amount of the guaranteed death
Is Term Life or Whole Life Insurance Better?
Most insurance professionals will say that your decision about whether to go with a term life policy or a whole life insurance policy will depend on your life stage, your budget, and your financial goals. I believe that the private banking (IBC) mindset should be the goal for almost everyone. Surprised, huh? Well, the dividend-paying, whole life contract with a mutual insurance company is a jewel hidden in plain sight.
Like I said in the introduction to this book, the private banking /IBC methodology is “simple but not easy” to create and maintain for people
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who are not savers but tend to be spenders or “investors”.
Often, younger people — even those in their 20s — decide to go with a whole life policy because they can lock in a low policy premium rate for their entire life with a policy that will build cash value over time.
Later in life, they can leverage that cash value to borrow money to meet financial needs like paying off a mortgage, taking care of medical
expenses, caring for elderly parents, or providing a safety net for potential financial issues.
Seniors getting ready for retirement might also find a whole life policy attractive as an estate planning tool. They might opt for a lower benefit so their premium is lower, but they still get an adequate coverage amount to ensure their final expenses will be taken care of after their passing.
If you only need coverage for a specific period in your life — maybe you want to make sure your child’s college tuition is covered in the event of your death — you can purchase a policy to last long enough to see them through
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graduation. You can take advantage of the lower rates that come with term coverage.
Term-length policies are also a great alternative for people who want the peace of mind of knowing that their loved ones are looked after without the extensive health screenings often required to obtain a whole life policy at lower whole life premiums.
Why Dave Ramsey and Suzie Orman Get It Wrong on Life Insurance
What is meant by getting a “dividend-paying whole life insurance with a Mutual Insurance Company”?
- Nelson Nash determined that the best financial tool for Infinite Banking is whole life insurance. Infinite Banking is NOT whole life insurance. But the Infinite Banking Concept works best when the banker—you—utilize properly structured whole life insurance as your bank.
Using whole life insurance as a financial tool for building wealth wasn’t a new concept in the 1980s. Business giants like John Rockefeller made and kept their fortunes using whole life
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insurance and used their insurance policies to pass on wealth to future generations. Did you know that banks are one of the largest owners of whole life insurance (known as Bank Owned
Life Insurance (BOLI)? Also, other large companies hold millions of dollars in whole life insurance to help fund business expenses and earn favorable tax advantages.
Amazingly, at one time, a major business education college had a course in their curriculum about how to use the cash value of insurance policies to fund business expenses, entrepreneurial ventures, investment opportunities, get out of debt, purchase real estate, and more. At the time Mr. Nash created the Infinite Banking Concept, the idea of using policy loans as an alternative to banks and privatizing the family banking processes and building wealth was a restatement of the process used by the super wealthy. The name “Infinite Banking” was Nash’s way of marketing the concept to his clients, putting a fresh face on a tried-and-true process.
Essentially your “bank” consists of a portion of premiums paid (money from you) + guaranteed
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interest earned + potential dividends (money from your insurance company).
Instead of storing your savings in a traditional bank account with minimal returns, you save inside of your dividend-paying whole life insurance policy, where it grows tax-free with a higher rate of return.
If you “buy term and invest the rest” as advised by “gurus” like Dave Ramsey and Suzie Orman, the data does not support your likelihood of success in making money. Dividend-paying whole life guarantees success when properly structured with a Mutual Insurance Company with regular and timely payments of premiums based upon the structure of the policy.
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“Playing Around” In the Stock Market – A Fool’s Errand
One of my favorite authors in the financial space is Barry James Dyke. Mr. Dyke is a best selling author, advisor, and speaker. He is committed to telling the truth about how Wall Street is an insider’s game, and you and I are the puppets under the spell of the puppeteers. Barry believes that today’s financial service and retirement planning systems serve the powerful few of Wall Street, the government, the media, Ivy League academia, and giant asset managers. I highly recommend you read Barry’s best selling books “The Pirates of Manhattan” and the sequel “The Pirates of Manhattan II: Highway to Serfdom”. His most recent work, “Guaranteed Income: A Risk-Free Guide to Retirement”, is a dissertation on how The Federal Reserve System, major banks, and mega-corporations utilize whole life insurance and annuity products to finance their corporate and executive retirement programs. Meanwhile,
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most Americans remain at risk with their money in a prison of 401(k) programs and other government-sponsored traps that prevent them from taking over the banking function of their lives. Rather than putting dollars today to work for them, they wait for when those same dollars are worth less and subject to the prerogative of the government’s taxation policies of the future (called “theft”) and sometimes are funded with highly speculative actively-traded mutual funds.
“Take it to the bank” (your own banking system), and the stock market is all rigged for supporting a few insiders at the expense of others – you and me.
Stock Market Performance 2000 – 2023
How much does it take to recover my 401(k) losses?
Here’s some easy math:
If you have $100,000 in your 401(k) and the market falls by 40%, you will have $60,000 left, correct?
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Well, what will it take to get back to where you started? Some “backward” math will help here.
$60,000 time XX % gain = $100,000, divide the left side of the equation into the right side of the equation - $100,000 divided by $60,000 = 1.66 or it will take a 66% gain to recover your 40% loss.
Do the math - $60,000 x 1.66 = $100,000, and that is ONLY getting back the money you lost.
How can you ever get ahead?
Do you think that within one year, you could get a 66% gain? Not likely.
You would have to get that 66% gain over many years and even more to make up for inflation, not to mention the loss of opportunity that money would have given you to participate in other ventures.
Maybe this will help you understand the pattern of the boom-bust cycles of the stock market and don’t miss the coming problems due to the “baby bust” and how it will affect the social programs in our country:
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IBC – Advantages and How to Get Started
What Are the Advantages of Infinite Banking?
Infinite Banking is not a rapid money-making scheme. Infinite Banking, in its truest form, is control over your money and the elimination of unnecessary money leaks from your personal economy so that you can utilize your money to grow and increase your assets.
Infinite Banking requires you to take responsibility for your financial future, and for the goal-oriented individual, it can be one of the best financial tools you’ll ever find. Here are the advantages of Infinite Banking:
What is a Mutual versus a Stock Life Insurance Company?
A mutual insurance company is an insurance company that is owned by policyholders.
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You are starting a new business when you get a whole life policy in place with a Mutual Insurance company and share in the profits of the new business via dividends paid (most Mutual Insurance companies have paid dividends every year for over 100 years, even through the worst bank crashes, economic bust cycles, and even during the Great Depression). Mutual insurance companies make investments in portfolios like mutual funds, high-quality commercial real estate, high-quality bonds, and other stable investments, with profits returned to members as dividends or a reduction in premiums.
What are the advantages of the IBC-type Whole Life Policies?
Infinite Banking depends on your understanding of cash flow and how to use the special design parameters of the whole life policy and its cash value features and functions. The hope is to eventually reach a level of cash value whereby you no longer will have to go to traditional banks and go through a mountain of paperwork
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and credit scrutiny to use your own money. Policy loan access is easy and available from most insurance companies electronically. By comparison, whole life insurance is an extremely liquid asset compared to other assets like real estate, stocks, bonds, or qualified plans like your 401(k) or IRA.
Because of the liquid nature of whole life insurance cash value, you can make it part of your financial foundation, acting as your emergency savings for paying large medical bills, offsetting the cost of an unexpected downturn in income through a job loss, paying for costly home repairs; you name it. You can also plan to use your insurance policy to pay yourself an income if you decide to go on a sabbatical, return to school, or take time off work to care for loved ones. In many properly structured whole life IBC-type policies, there are provisions for significant access to funds for life-altering and terminal illnesses and can be a source for paying the costs of long-term care.
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Dividend-paying whole life insurance is very low risk and offers the policyholder the awesome power of control over their money. It provides tax advantages and asset protection.
In addition to tax-free policy loans and tax-free growth of interest and dividends inside your whole life insurance policy, the death benefit of a whole life policy is tax-free to your beneficiary and often is exempt from estate taxes as well.
Whole life insurance is a contract between you and your insurance company, and as such, it includes protection from asset searches and seizures, lawsuit judgments, and creditors. And amazingly enough, any policy loans do not count toward your credit score!
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Protection Against Volatility
Whole life insurance policy cash values and death benefits are not correlated with fluctuation in the stock market. As long as you keep the policy in place (called In Force) by maintaining scheduled premium payments, the values within the policy are sound and safe. These policies provide a cushion against the many variables in the “market” and the power of guaranteed continuously compounding interest is underestimated by many.
The most diverse stock market holdings are far more subject to volatility, and sometimes the losses are never recovered. For whole life insurance, if you pay premiums on time and without interruption, your cash value grows daily and will never decrease.
The rate of return on your whole life insurance policy, your death benefit, and premiums are all guaranteed for whole life policies used for IBC.
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Unlike 401(k)s or IRAs, they will be taxed when you die, whereas your death benefit from whole life insurance can be passed on to your beneficiary tax-free.
Whole life insurance policies are paid for with after-tax dollars, so unlike 401(k)s and other retirement accounts, you don’t have to worry about your future income tax rate. You can fund your retirement with policy loans, and your insurance company deducts the outstanding loan from the death benefit after you pass away.
Because IBC policies rely upon properly structured whole life insurance, you can relax and enjoy the fact that you won’t run out of money in retirement because of bank failures and stock market crashes. In fact, some individuals opt out of 401(k)s or IRAs all together and rely solely on the Infinite Banking strategy for retirement.
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Infinite Banking with whole life insurance is a proven method for building multi-generational wealth, in part because the death benefit is tax free and generally not subject to estate taxes
(although the hungry big government folks have their eye on decreasing the “death tax” threshold after 2025).
However, today there are ways to protect large estates through having your Infinite Banking policy reside inside of an Irrevocable Life Insurance Trust (ILIT). This allows the transfer of significantly more wealth to future generations tax-free.
Infinite Banking is a proven concept for growing and protecting wealth, but it’s not mainstream. In fact, IBC is somewhat counterintuitive, and it takes some stepping back for deeper thinking and analysis to really grasp the realities of this marvelous concept. Above all, it will take understanding, courage, creativity, and consistency to be a successful self-banking person.
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For example, you must understand the implications of not paying back policy loans when loans are taken pre-retirement, which will result in less wealth growth over the course of your lifetime.
Does Infinite Banking Really Work?
The IBC strategy is proven to work and has been used by families for hundreds of years. Yet, the resulting benefits are dependent upon how the tool is used and requires clearly outlined goals to measure success.
For the fastest growth and optimal benefits, it’s recommended to pair dividend-paying whole life insurance with supplemental insurance called a Paid-Up Additions (known as PUAs – these are small incremental purchases of additional life insurance death benefit and also generate additional cash values in the policy). The PUAs also help increase the overall dividend payments to the policyholder.
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How to “Find the Money” and Build Your Banking System
Write down every cash flow into and out of your banking accounts. Look at your spending habits and tell yourself the truth about how you spend cash and use or misuse credit cards.
Find a way to free up $500 or more per month to dedicate to getting a high dividend-paying whole life insurance policy with our recommended mutual insurance companies that are designed for the Private Banking process.
Consider moving any monthly savings amounts from government-based plans like 401(k)s and IRAs to a whole life insurance premium and begin building your private family banking system.
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Begin to rethink everything you spend money on and move more money into and, when needed, out of your cash value inside the policy through policy loans. Set up a regular monthly payoff amount for each loan.
Once you exhaust the amount of life insurance that you can purchase for yourself, think about adding more policies for your wife, children, grandchildren, business partners, and anyone who depends financially upon you. You can be the owner of policies on others for which you have what is technically called an “insurable interest”.
It is Not Too Late, Even if You are Over 70 Years Old
I started my first banking policy at age 66 and, in four years, accumulated $200,000 in cash value. If you are not healthy enough to be insured, buy policies on those in which you have an insurable interest.
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Where Did the Modern-Day Retirement Idea Come From?
In 1881 Otto von Bismarck, the conservative minister president of Prussia, presented a radical idea to the Reichstag: government-run financial support for older members of society. In other words, retirement. The idea was radical because, back then, people simply did not retire.
Von Bismarck was under pressure from socialist opponents to do better for the people in his country. He argued that "those who are disabled from work by age and invalidity have a well-grounded claim to care from the state.” The German government eventually created a retirement system, which provided for citizens over the age of 70—if they lived that. At that time, 70 years old was the life expectancy in Germany. So, whether there was a government back retirement system or not, they know that many people still worked until they died.
By the 1920s, American industries were stepping up to offer their employers various forms of pension-type support after they stopped working. In America, the pension age became 65, and the rule of thumb of the day
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was that by 60, a man had certainly done his best work and should give way to the next generation, as opposed to today, when a labor shortage is keeping many Americans in the workforce well past age 70.
When Social Security was passed in the United States in 1935, the official retirement age was 65. Life expectancy for American men was around 58 at the time. However, after the Great Depression came better medicine and Americans started to live longer. By 1960, life expectancy in America was almost 70 years. Suddenly more people were living past the age when they had permission to stop working and the money to do it. Finally, they began to retire in large numbers—to stop working, to embrace leisure. For a few decades, older Americans lived without working, enough that we've come to expect that we should be able to retire, even if that may no longer be financially possible for many. Today, the Social Security
Administration estimates that there are 38 million retired people in the United States alone, and it is estimated that the funds for
Social Security will run out in the 2030 timeframe.
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Will There Be a Run on the Banks?
It is all about “Bailouts”. In the book, The Creature from Jekyll Island by G. Edward Griffin, he explains the master plan. You see this FED “thing”; it is all about control for the powerful few and slavery to the rest of us. It is essentially the fraud of all frauds, since 1913, way more fraudulent to Americans than COVID-19 because it underwrites things like COVID “pandemics” with our money; taxpayer money. The middle class it pillaged to keep the power brokers stronger and the average man to be more and more submissive, subservient, confused, controlled, and destroyed
economically. Bailouts lead to enormous wealth transfers, increases in taxation, and the creation of more and more fiat money. In the field of economics, the Federal Reserve is apt to fall into what is called a “moral hazard.”
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If you allow someone to get away with something, they’ll probably do it again, and if they have power and influence, the ripple effects to others are wide and repeatable. Quantitative Easing (known as QE) is an illusion of success, and the reality is that it hurts people and destroys wealth. Bailing out the banks is also an illusion because what is really happening is that bailouts encourage risky behavior. We have a long history of these failures in banks and large corporations. In recent history, we only need to think about Chrysler Corporation, Enron, the bank crisis of 2008, and many others, notwithstanding the run-on banks in 2023 that may continue for some time. Most of these banks and the bankers behind them will still make money, and most of it will come from you and me, the taxpayer. In the 2008 bank meltdown, spurred on by the risky mortgage loans and other compound financial instruments that were like heroin to the Wall Street thieves, a phenomenon known as the “Bernanke put” (after Fed Chairmen Ben Bernanke) became the soup de jour for calming everyone down. Yet it was simply fiat money creation and restructuring of debt that was passed along to the general public. The bankers
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got richer, and we all paid for it. The Great Recession was gradually “ended” by the Federal Reserve printing more fiat money, dumping it into the economy, and reducing interest rates to historic lows (near zero percent).
Dear reader, if you are not convinced by now of the fragility and volatility of our financial system and the lopsided nature of the power held by so few, you are not taking me seriously. Once you even begin to remove yourself from this monster (that has no compassion or conscience) and set up your own private banking system, your behavior will change, and your hope will glisten. You will quickly realize the power of the liquidity of your capital and how opportunities will seek you out since you have a sustainable and ever-growing warehouse of capital. Capital is the lifeblood of any economic system.
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This Is the Reality of Most Americans
In this section, the outcomes of applying the “big idea” of the private banking approach are purposely shown in conceptual-level graphics. I believe that this is the best way to make a case for the power of the IBC model (we call it Private Family Banking). If you can get the big picture, the how and how much questions regarding how to get started become more straightforward. Frankly, if through this book, I cannot move you to gain an understanding that will generate action on your part, then I have failed to effectively deliver this life-changing approach. I have failed to signify all the cash flow that will come through your life and the lives of your children, grandchildren and beyond.
The graphs on the following pages demonstrate just how much money you are “leaving on the table” by paying interest to others (almost 35% on average!). Private Family Banking will
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significantly multiply the money that you are losing to interest paid to others and the opportunity cost of paying cash for your lifetime expenditures (versus earning compound interest on that same money with Private Family Banking). Just by adding the step of directing your cash flow into your dividend paying whole life insurance policy designed for banking with a mutual insurance company will put and keep you on the wealth curve. The “Before Private Family Banking” versus the “After Private Family Banking” charts shows the dramatic difference that will be in your favor - FOR THE REST OF YOUR LIFE!
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Charles DeLadurantey 71
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After implementing the Private Family Banking mindset and system, you begin moving all the interest paid toward your bank instead of away from you to the institutional bankers and creditors.
- Are you ready to change your thinking in order to change your financial
trajectory starting right now?
- Are you ready to separate from the insidious intrusion of the IRS that
prevents you from growing continuously compounding interest and not lose
money to income taxes?
- Are you ready to separate from the banking system cabal and place your cash flow into your own privatized
- Are you ready to stay out of the stock market madness and volatility and
escape from the Wall Street insiders that use you for their maximum profit?
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If you are ready to change your mindset and free yourself from what everybody else is doing (and is NOT working) – Schedule an appointment to begin your educational and conversion process into this amazing mindset to leverage for the rest of your life at the link below:
https://calendly.com/familybankingnow/30min Sincerely, your personal coach and mentor, Chuck DeLadurantey
privatefamilybanking.com/chuck-deladurantey Email: email@example.com Call me directly at 830-339-9472
TEXT keyword BANKING to 3214215213