How Much Money Do You REALLY Need to Start Infinite Banking?

When Jayson Lowe said, "You do not need to be rich to get into the banking business," that wasn't just a casual statement. It was the truth. He describes in his book the all-American young man earning $28,500 a year after taxes. The point is, is that the banking function already exists in your life regardless of your income level. The question is, who is controlling it? As it relates to your needs. And I can tell you, understanding that cash flow management, I would suggest it, uh, it matters far more than flexing income. And if you have high income without control, that's just a different version of being broke at a different level. How much money do you need to start infinite banking? Welcome back to the Command Post. Um, Today, Ash and I, we were chatting before we started recording the show and we were looking at some of the most common questions that people ask when they first begin to research the infinite banking concept. And one of the most frequently asked questions is, how much money do you actually need to start? And I think honestly, the moment that Ash said, hey, maybe we should tackle this question, I thought that it usually— that question usually has fear hiding underneath it, right? Like, people are wondering, am I too late? Uh, do I earn enough? Is this just for wealthy people? Because again, there's a lot of marketing out there on the internet, on the social media, the Facebooks, the YouTubes, the TikTokers, the Instagrammies that say, let me unlock the secrets of the wealthy, and just all that kind of garbage. And the fear of, can someone like me actually do this? And what's fascinating to me is that I think the answer has very little to do with a specific dollar amount, because the Infinite Banking Concept is a process, and the tool that's used to implement it is not a tool for just rich people. The, the whole concept is based upon and really meant for people who want more control. And so today, Ash and I, we're going to talk about what really determines whether someone should start, and, and I think probably maybe the biggest mistake people make when, when they get started. And that, um, there's a few things that Ash will cite from Nelson's book Becoming Your Own Banker that'll be great, uh, why consistency matters, I think, more than, uh how impressive a person's income is when they get underway. And I think it's important for everybody to know that there are many people with massive incomes that still never build financial freedom. And we're going to talk about the psychology of this because I think once someone starts thinking differently, which our late mentor, R. Nelson Nash, said, "Everything begins with the way that you think." Everything changes. And so whether someone listening, watching is making $60,000 a year or $6 million a year, this episode's for you. So let's get into it. Ash, when somebody asks, "How much money do I need to start?" What are they really asking?

Well, I would say, Jayson Lowe, they're asking a lot of things behind that one question. And it's more so along the lines of, Am I too late to the game? Am I too old? Am I going to be able to do this? Um, you know, and part of it isn't— the question may be, how much does it cost, or do I have enough money? But really what we're talking about is not a dollar figure, we're talking about priorities and desires.

Ah, that leads us to R. Nelson Nash's book, Becoming Your Own Banker, which, um, if you do not have that book You need to add it to your wealth-building library. It's a 92-page read. It'll take you a few hours to get through it. But Ash, could you walk us through a specific segment of the book and just share with us exactly what Nelson conveyed that speaks directly to this?

Sure. Well, we'll start off. I'll read the very first paragraph on page 65. And we were talking about this before, but Nelson has such a way with words that really would resonate with people. And you can you can tell just by this opening paragraph. So, it reads, "Assuming that you are by now sufficiently convinced that this is a course of action that you would like to take, the question becomes, 'How do I get started?'" The most important word that comes to mind is desire. Everyone has priorities in life, but how you prioritize that is what actually matters.

Mm.

Because everyone has no problem spending money on the conveniences that allow them to enjoy themselves. But what are those conveniences actually doing for you long term?

I think in addition to that is if you— any viewer or listener If you imagine all of the income that you keep, not what you earn, but what you keep after taxes, deductions, all of that, you are already allocating 100% of that sum of money to everything that you have prioritized as being important. And so what Nelson's outlining is he's saying, You have to have some honest introspection at this point, and a commitment to get out of financial prison must be a burning passion. He never said anywhere in the book Becoming Your Own Banker or the book titled Building Your Warehouse of Wealth that you have to be at a certain income level in order for this concept to make sense. What he said is that it all begins with the way that you think. And if you desire control and you desire getting out of financial prison, that, that being a burning passion, then you have to have that introspection to say, regardless of what I'm keeping in the way of income, I'm already allocating 100% of it to everything that I have prioritized as, as important. So if I want to begin implementing this process, it's not about how much I need to begin implementing it. It's about how much I am going to prioritize to begin implementing it. Isn't that good?

Absolutely. And you know, if people want something bad enough, they will prioritize to get it, to achieve what they want.

Right.

And Where we come in as coaches is we help bring clarity to the path that they need to take and the action steps to get to that desire.

Absolutely. Yeah. And it begins with— I shared this yesterday. We spent, on our Ascendant Financial team, we spent an entire day in Calgary, Alberta, Canada. We had team members from the United States and Canada because we operate in North America, coast to coast. And one of the things that I mentioned is I said, you know, do you want to know one of the ways to be halfway to resolving a problem, to be 50% of the way there? And everybody on the team was like, yeah, of course we want to know that. You've got to recognize that there's a problem. And so it's It's understanding the problem so that the solution actually matters to you. But when someone has clarity, they've caught the message, and they ask that question, "How much do I need to get started?" On our team, we are sharing a really productive conversation around what we just outlined. Let's identify what— let's add it up to 100%. What have you prioritized as being important financially? How much have you allocated to that? We're going to add up. It's going to get to 100%. And in order for the Infinite Banking Concept to make its way into how you are postured financially, how you take care of your financial affairs, there has to be an adjustment of priorities, plainly and simply. Isn't that good?

Absolutely. The money is already flowing through you, right? You're already generating the ability. Absolutely. To practice infinite banking. It's just, are you making it a priority in your life? And I really enjoyed when you made the reference to recognition. A lot of times, we'll go through life and we don't even recognize how we can do things better or recognize what's actually going against us.

Right.

And, and I, it just, it brought me back to my time in service when we would, we would instruct combatives. So basically how to, you know, fight without, you know, hand-to-hand stuff like that.

And, okay.

And I would, I would question guys and I would say, hey, what's the first, what's the very first thing that happens when you, when you get into a fight? And they would just kind of stare at me and I would say, you recognize you're in a fight. Yes.

Yeah, I guess so that you're absolutely right. You're absolutely right. And the, well, the first shift. So think about it this way, along the lines of that example. If you think of the Infinite Banking Concept, so the first shift is psychological before it's financial. It has to, it has to happen in, in, in that order. And when Nelson said you do not need to be rich to get into the banking business, that wasn't just a casual statement. It was the truth. He describes in his book, The All-American Young man earning $28,500 a year after taxes. The point is, is that the banking function already exists in your life regardless of your income level. The question is, who is controlling it as it relates to your needs? And I, I can tell you, um, understanding that Cash flow management, I would suggest it matters far more than flexing income. And if you have high income without control, that's just a different version of being broke at a different level.

You're right though, because when we're talking about cash flow, even in Nelson's book, he references Robert Kiyosaki's board game Cash Flow. Yeah, that's a great tool to have an understanding of that.

Absolutely. And I'm— I've got Nelson's, uh, the PDF version of his book, and I'm searching for things because it just— as we talk, it just brings up Everything is in the book. It's all there. And I remember when Nelson was with us, God rest his soul. I was sharing with Ash before recording, I miss him. I think about him every single day. What a joy it was to know that man and to be mentored by him for so many years. I remember so many times early in my journey, I would say at every stage of my journey, just picking up the phone periodically and calling Nelson and saying, "Hey, on page 65, right when you were describing what you shared here around that it all begins with desire, can you expand on that? Can you help me understand that a little bit better?" And he would invite you to read something from the book to think about your thinking, not his, and then to reconnect with him and share your thinking. And that— he just had a brilliant way of sort of, um, in your brain being a fuse panel, and he would just flip the switch and kind of reset it, and your brain would go, okay, now I need to get to work on thinking. And you would find it, and I would go back to him and say, here's my interpretation And he would either say, "Precisely," or he would say, "Well," and then you knew that he was going to move you into, you know, another, uh, another teaching moment. But, um, you know, financial freedom for people, it's, it's not about never making payments again, right? Like, it's impossible to owe nobody nothing. Unless you're homeless and destitute, it's impossible to owe nobody nothing. It's all about controlling where the money's flowing to, who it's being put to work for, and how long. That's really, in my view, the foundation of financial freedom.

Isn't that good? Jayson Lowe: Exactly.

Yes.

People, when they sensationalize the concept, they start to overcomplicate it. At the root of it, it's really, as Nelson would say, the infinite banking concept is ridiculously simple. We're talking about an exercise in control. And I say all the time, you're either in control or you're being controlled. There's no halfway point.

There you go.

So you pick whatever you're comfortable with.

Absolutely. And so the real barrier is not income.

No, sir.

It just isn't. It just isn't. I know plenty of 6-figure, multiple 6-figure, 7-figure income earners who prior to implementing this process, they were financially trapped. They just were trapped. And it's primarily the— I guess the, the primary destroyer of capitalization, right? The ability to pay premium to, to get your system going The primary destroyer of that is lifestyle expansion. And Nelson said it best. He said, what was once a luxury becomes a necessity. And if you cannot conquer Parkinson's Law, when you achieve higher levels of income, your expenses will rise to consume that higher level of income. And so the, the barrier is not income The problem is a lack of retained cash flow. And if income alone created wealth, then why do I get introduced to so many high-income earners that are stressed out financially? Something to think about, right?

Yeah, if it— at the end of the day, it's not going to matter how much money you make, right?

Right.

You know, your income increases, you know, more money, more bills, right?

And if you allow it to.

Yeah, right, if you allow it to. And, and that leads me to, if you don't have the discipline to prioritize exactly what you want to achieve, it doesn't matter how much money you make. And that same thing applies throughout everything you do in life.

Yeah.

If you're not disciplined and you don't have the right habits, including financially, you're never going to escape financial prison, full stop.

Precisely. Precisely. And it's what I would— what I would say is that when a person has decided, I am going to begin implementing this process. I'm going to purchase the tool that's used to implement the process, and I've determined that my premium is going to be X amount of dollars. It has to check two boxes. It's got to be comfortable and it has to be affordable. And if it doesn't check those two boxes, then just pull the lever in whatever direction is necessary to check those two boxes. You know, a person says, I want to begin, I want to purchase the tool, and I want to pay a premium of $1,000 a month, $2,000 a month. $10,000 a month, whatever the number is. If it doesn't check the box of comfort, lever it down until it does. This is not meant to create, uh, stress or pressure in stretching that elasticity of your financial resources to the breaking point, not even remotely close. But you've got to start. You have to start somewhere because there's a cost of waiting as well. The longer you wait— Nelson said it brilliantly in his book, same page, page 65, last paragraph. He said, above all, get started now. The longer you wait, the more you have penalized yourself. Review the first 4 parts of this book regularly. If you know what is happening, you will know what to do. And you've heard the expression, "Compounding is the 8th wonder of the world." The real expression is compounding numbers is the 8th wonder of the world. But what I have shared so often over the years is that compounding is very time sensitive. And so if you discover the concept today and then you wait another decade, it's going to cost exponentially more than starting imperfectly today. And, and the reason that, uh, people would delay is because they think that they need to have a certain level of income before action, but Financial confidence and capability follows momentum and movement, not the other way around. Isn't that good?

Definitely good. And what's also kind of scary is I was staring at that exact paragraph before you mentioned it and started reading it.

Great minds think alike.

Oh, I was like, I was like, oh, I'm like, I'm staring at that right now. And he starts reading. That's great. And, and to your point about, you know, the most important thing is that you start right, you start now, you start something somewhere with something, right? You know, Nelson even says in his book, this isn't meant to be achieved through a single policy.

That's right.

This is meant to be achieved through a system of policies. What your requirements in life right now are going to— what they look like are going to be very different than 5 years from now, 10 years from now, 15 years from now. You can always expand your system, but you can't expand something that's never been started.

So well put. You know what that makes me think about is, so let's presume, so you have someone who says, "Okay, I have literally just been introduced to this concept, the infinite banking concept." Well, we wholeheartedly encourage people as we mentioned earlier, to read the book titled Becoming Your Own Banker. This is my original copy from 2008, and this book changed my life. It changed my life. And we, we manage 77 policies. We pay $1.5 million in annual premium. We have, uh, transformed our behavior, uh, that I didn't grow up with a family that had money. I didn't grow up with anything silver in our home, you know. My parents really struggled financially, and so nobody taught them what I was blessed to learn and what we've, you know, since implemented in our family and 6,500-plus families across North America. But what comes up for me is that liquidity changes human behavior, right? There, there's, there's a psychological effect of having ready access capital. Like, people make different decisions when they have control and they have access to money on demand, on their terms, and The absence of that, if you don't have liquidity and you don't have access and you find yourself in a situation where you need to get access to capital, that can lead to poor negotiation. It can lead to an emotional financial decision. Whereas somebody who has liquidity, a pool of capital readily accessible, It all comes down to what people's priorities are.

And I'll just read this paragraph here from Nelson's book, which speaks specifically to this. And just before I get into that, I just want to say that when you read this book, it's also a class in life's lessons. So, it's so much more than just talking about the infinite banking concept. And when people really start to dial in on that and realize the lessons that he was teaching, not just about the concept, but about how to take control of one's life and be disciplined and prioritize. Because like you were saying, Jayson Lowe, if you aren't the one in control and you're not making the rules, you're already putting yourself at a disadvantaged position, which is creating the stress, the uncertainty, and you're rushing into things that may not even be good deals, right? That may not be benefiting you.

Totally.

And that's definitely something to think about. And in his paragraph here, it says, this is going to require a change in priorities in life and recognizing that controlling the banking function personally is the most important thing that can be done in your financial world.

Amen to that. And I would add to that, Ash, Starting somewhere matters, right? Especially if it's small, right? If it's a small amount of premium. We have clients that start with policies on their young children and maybe they're contributing a couple hundred dollars a month. The start is what matters because the first policy If I was to go way back to July of '08 when Rebecca and I began our journey with this concept, the first policy was the beginning of our mindset shift. It, um, it created awareness. And, um, people in my experience, my humble experience— I'm going into my 19th year I think people who begin thinking differently, they often earn and save differently as time progresses, as time goes on. And that, I think the behavior pattern matters far more than the opening premium. If you had told me back in '08, "Hey, Jayson Lowe, in 2026, you'll be paying $1.569 million in annual premium." I wouldn't have seen it then, not even remotely close. That's not where we began, not even remotely close to that. And so what if, I guess, what if the— I would ask you this, Ash. What if the most important thing about your first policy isn't the premium, but the fact that you finally started?

Well, I think to most people that are asking this question, as to, do I have enough to get started, or how much does it cost to get started? If they were looking at it through the lens that you just mentioned, then it would make a lot more sense. Then this question wouldn't even be relevant anymore. It's all about the direction that they're approaching the problem from, right? What lens they're looking at it through. And a lot of the times, you don't know what you don't know. So until you meet with someone and they understand and ask you questions and draw out why you really want to do this and what the real priority in your life is, until you allow that to happen, you're only limited by your thinking.

Yeah, that's a very good point. And when Nelson said, and we talked about this yesterday as teammates in Calgary, When Nelson said in response to the question, "What is the Infinite Banking Concept?" Now, he would answer that question in a remarkably simple way, but often he would preface it and he would say, "Well, your need for finance throughout your lifetime is extensive." And let's expand your understanding of financing. You're going to need cars, you're going to need appliances, you're going to need equipment, real estate, you're going to pay taxes, you're going to operate a business if you're a business owner, you're going to need capital for education. You're going to need capital for opportunity. Everything touches financing. The Infinite Banking Concept is about controlling how you finance the things that you need or want throughout the course of your lifetime. And if you understand that financing will be part of your life forever and every future generation that comes after you then why wouldn't you want increasing control over that process? What disadvantage does it represent to you or to your family or to future generations to gradually and incrementally increase control over that process? This is not a method of doing what the wealthy do. Or a, a secret that the banks have been keeping from you. Nobody has a Post-it note at the branch saying, remember, don't tell anybody about the infinite banking concept. Like, it's all about controlling how you finance the things that you need throughout the course of your lifetime while you recapture the interest that you would have otherwise paid to someone else's bank or finance company. Ridiculously simple. That's it. But if we can expand— if you're listening or watching, if we can expand your understanding of financing and you recognize that the banking function is everywhere financially in your life, this is the essence of the concept, is to gain control over that function. That's why it's a process. It's not an event. It's not a hack or a a one-policy miracle. Long-range thinking is the advantage here. If you spend the next 20 years improving your financial efficiency instead of chasing shortcuts, I can tell you exactly what's going to happen. You're going to be leading a very peaceful, stress-free way of life financially. Isn't that good?

It's also unfortunate over time that I would say, in my opinion, that people have been conditioned to give up their control of that banking function or finances in their life in general.

I agree. They abdicate it. They abdicate the responsibility and more importantly, the opportunity to someone else. And it's unnecessary, but yet they, they're not aware of that, right? Nobody told them. That you don't have to abdicate this to someone else. You can gain control over this process as it relates to your needs.

Yeah. And I think part of that has been a form of conditioning over time, whether that's been something that's been actively happening or whether it's just been different generations, family generations who have maybe not been exposed to or don't really understand how money works and the psychology of money. So they're not passing down necessarily the right or the optimum type of lessons that they need to future generations to be able to figure out, "Okay, how do we put ourselves in the driver's seat here? How do we take back control so that we can capitalize on opportunities and we can be the ones in our family for generations that benefit from all the hard work that we're putting in?" day in and day out.

Oh yeah. Yeah. Okay. So here's a question to people who are viewing and listening. What specifically would change if your children and grandchildren inherited a financial system versus financial confusion? What would change? Because most families, most families will definitely transfer some degree of financial stress. And very few families will transfer systems. And the Infinite Banking Concept, it can create continuity and it can literally change the trajectory of your family. And what most people do when they begin this journey is they begin at the individual, the you and me level. Right? I want to start implementing this concept for, for me. I want to begin with me. Nothing wrong with that at all. Starting somewhere is starting. But we want to help people move from individual to family to generational thinking. That's what we want to do. And it's there's no escaping the fact that legacy, um, everyone in the family is going to graduate someday. The next generation is going to have some form of financial consumption habits, right? And, and you and I both know, Ash, society can reward looking wealthy. And, and real wealth is, um, is quiet. It's quiet. And, um, they create unnecessary financial stress in their life because they try to look successful before becoming financially strong. And again, this is just based on a humble entering my 19th year and speaking to literally tens of thousands of people over the years, um, I've observed a few patterns.

Most people are going to go through some kind of adversity in life or some kind of struggle. And if we're talking about creating a roadmap with you that's going to point you towards the financial milestones that you can achieve so that you can remove that type of stress from your life and the future generations of your family. Why, or what would be the downsides into learning about something about that, like that?

I can't think of any. And what is it, what is it that, uh, what is it that most people, you know, say? Tell me if you agree with this, that most people would say that they— if you were to talk to them about how they're put together financially, their, their current status financially, individually, in their family, in their business, all the above Would you agree that most people would say, "Hey, all I need to resolve this is more money"?

That's usually a go-to statement. "If I just had more money, I would have less problems." What they need is more retention. That's right.

That's what they need. Ask yourself, if you're watching this, ask yourself, What percentage of your lifetime earnings will your family actually keep? Just take a moment, let that sit with you, because we, we don't meet with families who say, I've already got a financial containment system, which this is, and every increase in income gets absorbed by your lifestyle expanding. And, and the Infinite Banking Concept, it really produces intentionality around retention. That's the key. But in your life right now, the bank is always getting paid first. Think about it. Your income flows where? You store money where? Is it not true at present that all of your income is flowing through the books of someone else's bank? And I promise you, banks understand long-range thinking far better than their customers do. And, and people are financing all of these depreciating assets for decades. Think of how many vehicles you've financed up to this point in your life. How many more are you going to drive for the remainder of your life? The bank is profiting from your impatience. And, and the, the Infinite Banking Concept shifts that patience back into your household. Where it belongs. Nelson said the banking function should be held at the you and me level. So what would happen if your family started behaving more like the banker instead of the borrower?

I think that would be a massive change in trajectory for, for your family, you know. And banks are just— they're just— they're They're just there. It's a system that is here and we understand it and you can participate in it, not participate in it. That's completely up to you. But I would ask you one thing is, would you agree that banks are successful?

Oh my goodness, yes. All day long.

Okay. So based on that, if we could show you what the banks are doing, and you could replicate that in your own life so that you could not only control that function but also be the one financially benefiting from it, would that be something that you would be interested in learning about?

I would hope so. And what banks take out of the equation— so banks operate on systems. They have standard operating procedures, they have systems in place, they have humans that are employees of these banks that ensure that capital is in constant motion, uh, in a variety of different things— mortgages, credit cards, lines of credit. Term loans, you name it. Now, if you contrast that with a financial plan, most, most of these financial plans, which are assembled with the best of intentions— there are so many great, capable, competent financial planners out there who really have a desire to serve their clients and to see their clients succeed. But most— I would say most, if not all financial plans ignore human nature.

Absolutely. Yeah.

Which is why if they're rigid, right, if the plan is rigid, there is a remarkably high probability it's going to fail. One reason Life is unpredictable. However, the bank's systems survive all of that. Shouldn't that tell you something?

Yes.

And so in your life right now, for those listening and viewing. So if you think of, um, where financial stress in your life actually stems from, if you were to take a moment and really think about that, because liquidity, in my humble opinion, I think it creates, uh it contributes to emotional stability, right? Because if you have ever-increasing financial pressure, then you might be inclined to make, in hindsight, not the best decisions financially. Whereas if you had liquidity, then I would say that that would definitely contribute to an increase in your confidence. Financially because you're not— unexpected expenses, they stop feeling like emergencies. I was talking to our team earlier this week. We do a weekly Learn with Jay coaching session. We have all the Ascendant Financial Advisors in session every Tuesday. It's phenomenal. And I was sharing with our group that I was referring to a dentist. We were looking back on the days of COVID and this dentist had been implementing the process for a number of years leading up to COVID and had reached out and said, our practices— plural— survived because we had ready access to capital. It didn't feel like an emergency to us, and in fact, an opportunity came up to acquire another practice where that dentist, that team did not have ready access capital to see them through sufficiently enough, even with all the support, where it created an opportunity that was very high caliber and nobody lost their jobs, everybody remained gainfully employed. But this particular dentist who was well capitalized wasn't panicking. It didn't feel like a sudden emergency. The dentist said, how much readily accessible capital do I have again, Jayson Lowe? I see the number here in terms of loan amount available. Is that accurate?

Yep.

Fantastic. And away he went. So it's, it's one of those things that, uh, in the absence of it he could have been very financially reactive, but because he had gotten started years earlier, he was, um, very, very well prepared. Isn't that good?

I think— and just think about how that maintained the stability and the life of the people that worked there.

Oh my God. For him to be able to sit before his employees and say, "Hey, we're going to be okay." Obviously, you can't predict or say for certain what's going to happen as it relates to this pandemic, but you're going to be okay. And I shared the same thing with our Ascendant Financial team. I shared the same thing with teams in my other companies. Everybody who's here today is going to be employed today next year, so stop worrying about that. And, uh, boy, it kind of helps people just to breathe a bit of a sigh of relief, right? Um, I'll, uh, a couple more things I wanted to make sure that we touched on. The more I think about this, what— so what if the Reminder of the golden rule really clicked for people watching and listening. Those who have the gold make all the rules. So if you are financing something, because your need for finance throughout your life is extensive, if you're financing something without controlling that financing function It creates dependence, right? So the issue is who is controlling how that thing is being financed. And so what, what if the— what if the real issue isn't borrowing money but permanently losing control of it? Because this concept puts you in a position of total and absolute control. And it doesn't happen overnight. It's not microwave success. Nelson said it'll take the average family 20— 2-0— years to gain control of 100% of the banking function as it relates to their needs. It took Rebecca and I 13 years, and we are ambitious, but most of the world has been conditioned for microwave success. If it doesn't give me everything I need in 3 minutes or less, I'm not even going to think about it. That's exactly where the banks want you. The banker would say I agree.

Yeah, the banker would say, I agree. Oh, by the way, did you hear about this new product that we just came up with?

It's the super duper deluxe mutual fund that's had an average rate of return 15%. How long has the fund been active? Uh, it's been active for 3 months. Wonderful, let me put $100,000 into it right now. Oh my goodness, you know, welcome to the world.

But it has great reviews.

And so here's the thing, okay, this man— I'm on, uh, the, the way that I'm thinking about this today, the more you see, the more you see you didn't see. It, uh, it holds true to anyone who, uh, understands what Nelson pioneered. So ask yourself, ask yourself this question. If, if you, if you can relate to this, right, that, um, society normalizes monthly payments. That's what everyone thinks in terms of, right? When they have a, uh, they determine here's how much income I'm keeping from what I, from what I earn after deductions, taxes, etc., and I have a series of monthly payments for a variety of things. And that's normal. That's just normal. And that people are taught how to spend wisely, not capitalize wisely. So are your— and I'm referencing, if you can see me on video, I'm living in your phone— are your, are your financial habits building freedom? Or are they reinforcing dependency? Because if you don't control how the things are getting financed, you're reinforcing dependency. This concept puts you in a position of total and absolute control. And Nelson said it best, just get started, because the longer you wait, the more you penalize yourself. And that first policy is the domino. It's the domino that tips your thinking over. It tips your, it tips your behavior over. And our experience, as evidenced by— we're north of 3,000+ Google reviews— is that people, people become more intentional after they get started. It's just, that's been our experience. And so Get started. What are your thoughts, Ash?

I agree, especially when Nelson says don't be afraid to capitalize. Once they start that first policy and they see and they feel the position that they're in and how they can expand that by expanding their banking system, and then Nelson's golden rules start making sense, then they're like, "Yeah, I get this." But that's why Nelson also said this is caught, not taught, right? It takes time. Everyone gets there at different points, but once you see it, you can't unsee it.

I couldn't agree with you more. And so maybe, maybe the, the biggest misunderstanding about the infinite banking concept is that You know, people, people think it begins with money, and, and it doesn't. It begins with awareness, right? Awareness that the financial world has really conditioned most people to consume instead of capitalize, to, to rent money, uh, to not be in a position of total and absolute control. And like Ash said, like, once you see the Infinite Banking Concept, you can't unsee it. And most people, most people will spend their entire lives making payments without ever constructing a system. And the, the families that we're blessed to serve and, and to guide and to mentor each and every day They're, they're, they're the ones who finally decided, right, we are going to think differently from now on. That is it. And we're not going to be perfect. Um, we don't want microwave success. We're just going to gradually and incrementally begin to control the banking function as it relates to our needs. And so if this, uh, episode resonated with you, make sure you subscribe, uh, drop a comment too. Just let us know what insights, thinking, um, feedback that comes up for you. Ash and I love to read those comments. And you'll likely see another video that pops up— that's the algorithm encouraging you to continue your journey of learning, which, um, there's no such thing as having arrived in knowledge. There's always something new to learn. And so that, my friends, is, um, another Command Post. Ash, this was fun.

It's, uh, always fun. Always fun bringing, uh, bringing light and knowledge to people where they, they haven't quite seen the blind spots yet.

Amen to that.