Take Control of Your
The Way Youâve Always Imagined It.
Becoming Your
Own Banker
Discover the Book That Redefines Financial Certainty
How This Book Changed the Way Tom
Thinks About Money
In this short video, Tom, founder of the FreedomBankers shares how Becoming Your Own Banker by R. Nelson Nash transformed his understanding of wealth, control, and financial freedom and how it can do the same for you.
What we will cover in your 30-Minute Call:
Discover where your money is really going and identify the financial leaks holding you back from building lasting wealth.
Learn how the Infinite Banking Concept works and how it can help you take control of your cash flow, debt, and future growth.
Get a personalized next step toward Financial Certainty â a clear path to start building your own private banking system.
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About The Author
Robert Nelson Nash was an American finance author, life insurance agent, and the developer of the Infinite Banking Concept (IBC). He was best known for his 2000 book Becoming Your Own Banker, which proposed a strategy of using dividend-paying whole life insurance as a personal banking system.
Nashâs ideas gained a nationwide following in certain financial circles, and he founded the Nelson Nash Institute to educate advisers and the public about the IBC strategy.
The Author's Books
Sneak Peek: What Youâll Discover Inside
Becoming Your Own Banker
This isnât just a book about money, itâs a blueprint for regaining control, breaking financial dependency, and creating a system that works for you, not against you.
1. Take Back the Banking Function
âItâs all a matter of how much of the banking function you control as it relates to your needs.â
Learn how to create your own banking system using dividend-paying whole life insurance â so you can finance your life and recapture every dollar of interest that used to go to traditional banks.
2. The Hidden Cost of Interest
Did you know the average American spends over one-third of their income on interest payments for cars, homes, and credit? Nelson Nash reveals how to redirect that flow of money back to yourself â transforming debt payments into wealth growth.
3. Think Like a Banker, Not a Borrower
Major corporations use the principle of Economic Value Added (EVA) to earn on their own capital. Becoming Your Own Banker simplifies this concept so you can apply it in your personal finances â earning what lenders earn, without extra risk.
4. The Five Laws You Must Master to Build Wealth
Nash breaks down the human tendencies that quietly destroy wealth:
Parkinsonâs Law â Expenses always rise to match income
Willie Suttonâs Law â Money flows to where itâs controlled
The Golden Rule â Those who have the gold make the rules
Arrival Syndrome â Believing you already know enough
Use It or Lose It â Knowledge without application is wasted
Each law challenges you to think differently about money and take control of your habits.
5. Build a Lifetime System, Not a One-Time Plan
True wealth isnât built overnight. Nash shows how to create a self-sustaining financial system that funds everything youâll ever need â cars, homes, education, and even retirement â while growing generational wealth for your family.
6. Real Families, Real Results
Discover how families using these principles have turned modest life policies into multi-million dollar financial ecosystems, financing major life goals and leaving lasting legacies.
Ready to see what happens when
you take control of your money?
Benefits Of Infinite Banking Concept:
Become Your Own Banker
Leverage Whole Life Insurance
Recapture Interest
Build Financial Independence
Create Generational Wealth
Think Long-term
Historical Stories of Entrepreneurs Using Life Insurance
Disclaimer: These are widely cited historical examples of how prominent individuals and families are reported to have used cash value life insurance. They are for educational purposes only and are not guarantees of results or endorsements of any specific strategy.
Walt Disney
In the early 1950s, Disney's vision for a family-friendly amusement park was rejected by traditional financing sources. Rather than abandon his vision, Walt Disney created a separate company called WED Enterprises in the early 1950s and pursued a multifaceted financing strategy.
He borrowed $50,000 against his participating life insurance policy to provide seed capital for WED. Additionally, he sold his second home and took out a $60,000 life insurance loan (documented through Commerce Trust) in 1954 to continue funding development.
When Disneyland opened on July 17, 1955, it attracted 3.6 million visitors in its first year of operation and has since hosted more than 700 million guests. This success demonstrated the power of using whole life insurance's cash value as a financial tool and created a blueprint that other entrepreneurs have since followed to fund business ventures without relying on traditional bank financing.
JCPenney
James Cash Penney, founder of JCPenney, famously used loans from his permanent life insurance policy to make payroll and keep his stores operational during the Great Depression, a time when banks and traditional credit sources were unavailable due to financial turmoil. In 1929, facing cash flow shortages and with credit markets dried up, Penney utilized the cash value of his policies to cover day-to-day expenses and pay employeesâa move that helped sustain his business through an economic crisis.
This bold action is often cited as a classic real-world example of how business owners have used whole life insurance policy loans not just for emergencies, but as a strategic financial resource to maintain stability and protect the livelihoods of their staff when traditional options fail[6]. The success of this approach contributed to the legacy of JCPenney and demonstrated the practical benefits of having access to cash value through life insurance for both individuals and businesses.
The Rockefellers
The Rockefeller family has indeed built and preserved an estimated $10 billion in wealth across six generations through a sophisticated combination of whole life insurance policies and trust structures. Their strategy demonstrates how permanent life insurance, held within irrevocable family trusts, serves as a financial engine for multigenerational wealth preservation and growth.
The cornerstone of the Rockefeller approach involves placing large whole life insurance policies on each family member, with these policies held within irrevocable family trusts. These policies are often "overfunded" early onâmeaning premiums are paid above the minimum requiredâto build cash value quickly while providing substantial death benefits. The cash value serves as a growing reserve that can be accessed for liquidity needs, while the death benefit ensures a tax-free payout to the trust when a family member passes away.
The Rockefellers employ what's known as the "waterfall method," where family members who inherit policies use death benefits to pay off loans and fund new policies for the next generation. This creates a self-perpetuating cycle of wealth, with the death benefit of one generation fueling the premium payments for the next, ensuring continuous liquidity and reinvestment. This combination of strategic life insurance, trust structures, disciplined governance, and diversified assets has been critical to preserving and multiplying their wealth over more than 150 years.
McDonald's
Ray Kroc, who turned McDonald's into a global fast-food empire, used the cash value from his life insurance policies during the early, cash-strapped days of the business. When Kroc faced significant challenges in covering payroll and operating expenses, he borrowed against two life insurance policies to ensure that key employees could be paid and to sustain operations at a critical moment for the company.
These funds didn't just cover salariesâthey also financed an ambitious early marketing campaign, including the creation of Ronald McDonald, the mascot that became central to the chain's branding. Kroc did not take a personal salary for eight years, relying on his own resources and life insurance cash value as a source of liquidity to keep the business afloat and moving forward when bank loans were hard to secure.
Krocâs use of life insurance policy loans as a financial bridge allowed him to stabilize McDonald's during its formative years, eventually leading to massive expansion and long-term success for the franchise. This strategy is often cited as a classic example of how entrepreneurs have harnessed the features of whole life insurance to solve real-world cash flow challenges.
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