Richard CanfieldPodcast Host and IBC Advisor, Ascendant Financial · Authorized Infinite Banking Practitioner | Author of 4 Books

Stop letting your money disappear after big purchases!

20 Mar 2026 · 1 min

Watch on YouTube

0:40

In this concise personal‑finance segment, the speaker uses a simple lay analogy to illustrate how keeping money within a financial “system” (e.g., credit, loan, or other financing tool) preserves capital when making large purchases such as a car. Rather than depleting a bank‑account savings balance, the money is borrowed from the system, bought with it, and then repaid. The speaker distills the approach into two governing rules: (1) capitalize as much as possible—use financing to keep your cash working for you, and (2) maintain a disciplined repayment system to return the borrowed funds. The tone is conversational and instructional, encouraging viewers to adopt these habits to prevent their money from disappearing after big purchases.

Chapters

Try to be as simplistic as possible when we're talking about it to other people. When you're in it, I've been 8 years, it's hard to kind of take it back. My wife does it very well. She'll explain it to people in layman's terms. It's, it's almost as simple as, okay, you'll save up all your money in your bank account, but when you need to buy the car, you're going to spend all that money on the car. That money's gone. If you put it into the system and and you take the money out to buy the car, your money's still there in your system. You just have to be responsible enough to pay it back. And that's the two rules that you have to follow. Capitalize as much as you can and have a system to pay it back.