How to Become Your Own Bank and Build Wealth with Infinite Banking

Money is one of those things we all deal with, but most of us were never really taught how to use it to our advantage. We’re told to save, invest, and budget, but the system we operate in is designed to keep us dependent on banks, constantly paying interest and fees just to access our own money.

But what if you could flip the script? What if you could create your own banking system—one that allows you to keep more of your money, grow wealth, and never have to beg a bank for a loan again?

This is exactly what Hannah Kesler from The Money Multiplier and I talked about on my latest episode of Getting Real Live. She’s an expert in Infinite Banking, a strategy that helps you take back control of your finances and build real, lasting wealth.

And trust me—this isn’t some “finance bro” magic trick. It’s a real strategy that wealthy families like the Rockefellers and Rothschilds have been using for generations.

Let’s get into it.

What Is Infinite Banking?

Here’s the deal: Infinite Banking is a financial strategy that allows you to become your own bank by using a specially designed whole life insurance policy.

Now, before you roll your eyes and think, Wait, life insurance? That’s boring.—stay with me.

This isn’t the kind of life insurance most people have. This is a high-cash-value policy that allows you to:

• Store your money in a place where it grows tax-free
• Borrow against it whenever you need to make investments or major purchases
• Earn uninterrupted compound interest on your money, even when you borrow against it

Think about how a bank works. You deposit money, and they use it to lend out at high interest rates, making money off of your cash. With Infinite Banking, you become the bank, earning that interest instead of paying it.

It’s a total paradigm shift, and once you see how it works, you can’t unsee it.

Why This Strategy is a Game-Changer for Wealth-Building

For most of us, money flows out of our hands the second we get it. We pay bills, make purchases, pay down debt—our dollars are constantly leaving us.

Infinite Banking interrupts that cycle and allows you to keep your money working for you.

Here’s how:

1. You fund a high-cash-value whole life insurance policy instead of keeping extra money in a traditional bank account.
2. Your money grows inside the policy tax-free with guaranteed interest.
3. When you need capital, instead of draining your savings or taking out a high-interest loan, you borrow against your policy.
4. Your money continues to grow as if you never touched it because you’re borrowing against your own death benefit, using your policy as collateral. The insurance company doesn’t need to get “paid back,” because it will just be deducted from what gets distributed to your beneficiaries upon your expiration date, as Hannah so euphemistically called it. 
5. You pay yourself back with interest, just like a bank would—but now, you’re the one profiting.

Let that sink in. This is not about spending recklessly. It’s about redirecting your money in a way that builds wealth instead of draining it.

How Real Estate Investors Use Infinite Banking to Fund Deals

If you’re in real estate—or want to be—this strategy is a goldmine.

Let’s say you want to buy an investment property. Instead of going to a bank for a loan, you borrow from your own policy for the down payment.

• Your money stays inside your policy, growing and compounding.
• You use the loan to buy your property.
• Rental income or profits from the deal pay back your policy instead of a bank.

This means you’re building equity in your policy AND in real estate at the same time. That’s what Hannah calls double-dipping—and it’s exactly how the wealthy keep growing their money.

Biggest Myths About Infinite Banking

Like anything outside the mainstream financial system, there are a lot of myths and misconceptions about Infinite Banking. Let’s clear a few up.

1. “Whole life insurance is a bad investment.”

Here’s the thing—this isn’t an investment; it’s a savings strategy. Investments involve risk; this doesn’t. Your money is guaranteed to grow no matter what the stock market is doing.

2. “I can get better returns elsewhere.”

Maybe, but this isn’t about either-or. You can still invest in real estate, stocks, or businesses—but you run your money through your policy first, so it keeps growing while you invest.

3. “I don’t need life insurance because I’m self-insured.”

Would you cancel your homeowner’s insurance once your house is paid off? No! The same logic applies here. You are your biggest asset, and protecting your financial future is critical.

How to Get Started with Infinite Banking

If this has you thinking, I need to know more, here’s where to start:

1. Assess your finances – Look at where your money is going. How much are you keeping in traditional banks? How much are you paying in interest?
2. Get educated – Read Becoming Your Own Banker by R. Nelson Nash, or watch the free presentation at TheMoneyMultiplier.com/presentation.
3. Work with an expert – Not all whole-life policies are structured for Infinite Banking. Make sure you work with an Infinite Banking Concept (IBC) practitioner who understands how to set it up correctly.

Final Thoughts

This strategy is a total mindset shift. We’ve been trained to think that banks hold the power, but the truth is—you can take that power back.

Hannah’s family has been using this strategy since 2008, and they now have over 38 policies funding real estate, investments, and their family’s financial legacy.

I’ve had an infinite banking policy since 2020, and I’ve seen firsthand how Infinite Banking changes the way you manage money. It allows you to build wealth, stay liquid, and take control of your financial future—on your own terms.

If you’re ready to stop playing by the bank’s rules and start building wealth the way the wealthy do, start exploring Infinite Banking today.

You have the power to change your financial story. You just need the right strategy.

Resources & Links:

• Watch the Free Infinite Banking Presentation: TheMoneyMultiplier.com/presentation
• Read Becoming Your Own Banker by R. Nelson Nash
• Learn More at: TheMoneyMultiplier.com