The Banking Rule My Kids Grew Up With

11 Aug 2026 · 2 min

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1:34

In this video, Jayson Lowe outlines the Lowe family’s internal banking system. Family members may borrow from a pooled money source at a non‑negotiable 10% interest rate, while the repayment schedule can be negotiated. Choosing to finance one’s lifetime needs through this system guarantees inclusion in the Lowe Family Trust after the parents’ death, provided the family constitution is followed, securing ongoing financial stability and death‑benefit proceeds for heirs. Alternatively, borrowing from external banks is allowed but results in the parents transferring ownership of their life‑insurance policies to charities, excluding the borrower from the trust and forfeiting any death‑benefit payouts. Lowe urges viewers to consider which option aligns with their goals and directs them to learnmore at learnwithjay.com.

Chapters

You can borrow from the family's money pool and you repay those policy loans at an interest rate of 10%. That rate is not subject to negotiation. What's subject to negotiation is the timeframe. So the amortization schedule, the repayment timeframe is absolutely negotiable, but the rate is not. You agree to finance everything that you need throughout the course of your lifetime through the family banking system. If you choose to do that, if that's your decision, When your mom and dad pass away, you will also be included in the Lowe Family Trust. And provided that you follow the family constitution, both you and your heirs will never have a bad financial day for the rest of your lives. Option B is that you can shop outside the home, meaning you can borrow from someone else's bank or finance company because you've decided that the lower rate is more appealing to you. That is your privilege to do that. If you choose to do that, Your parents will transfer ownership of all the policies that they have on your lives. They will transfer ownership of all of those policies to charitable organizations of their choosing. You will not be included in the Lowe Family Trust, and you will not receive any death benefit proceeds from your mom or dad's life insurance contracts. Take all the time you need to decide which option is best for you, and let me know how you plan to proceed. Want to find out more about how you can become your own banker? Click the link below or head over to learnwithjay.com. That's learnwithjay.com.