Edward Gray
3 min readJul 8, 2020

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The Powerful Momentum An Infinite Banking Practice Creates

Whenever I am talking to someone about Infinite Banking (IBC), I become excited and eager to share what I have learned and seen through my own practice. As of this writing I have two friends who are starting down the path of preparing to begin their IBC journeys for themselves and their families. I think I am more excited then they are! It may seem strange to someone on the outside looking in but once you start practicing IBC as a financial lifestyle, you will know exactly what I mean. There are Aha moments along the way that build into outright excitement and eager anticipation to pay a premium.

I personally don’t even look at premiums as something I have to pay. I look at them as deposits into my IBC system. The hardest part of starting an IBC system is actually starting one. It is a commitment and as you’re going through the process you will encounter doubt, naysayers and second guessing yourself on the amount of premium to pay. Trust me, after some time passes you will realize what almost everyone who practices IBC says shortly after starting their system…. I wish I went bigger and started sooner.

The power of IBC is in how you use the system and time. You can go over illustrations, projections using excel spreadsheets, but it is the practice of using it and the time that will inevitably pass that creates momentum.

The combination of each year that passes with your level of knowledge and improvements in the efficiency of using your IBC system builds upon itself. Momentum building in your favor and access to a growing reservoir of capital, in a system you own and control. Who wouldn’t want that! This powerful momentum can be applied directly to your financial goals.

Are you concerned about your debt levels and getting out of debt?

I want you to think about all the money you send away from yourself and your family. All the bills that come and go each month, quarter, semi annually and annually. Do you know what happens when you pay a bill? The money is gone forever and will never earn for you again. It went away from you.

The owner of an IBC system soon realizes that money that was once going away from them, can now flow through their system. I want to hammer this point home because if you get this and truly understand the momentum that can be built from this shift in mindset, it can dramatically alter your financial future. Paying off debt in an efficient system that is continually growing in value is a huge tailwind.

Are you trying to build your investment portfolio? Build monthly cash flow?

The owner of an IBC system can fund the 20% down for a rental property and will experience that opportunities seem to find them because they have access to capital within a system they control. When they need a place to store investment gains they will see their IBC system is the ideal place to do so.

I encourage you to look into Infinite Banking (IBC), do the research, read and explore it for yourself. If you are looking for a community that talks IBC and is active with questions and answers, check out r/infinitebanking on Reddit. I’ve had great dialogue and interaction in this group.

Good luck on your financial journey.

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Edward Gray

Author of Controlling Your Money — The Battle to Save Our Future. I share writings about money, spirituality and life’s many journeys.