The Most Profitable Thing You Can Finance Is Your Own Debt

As we celebrate Independence Day, it’s a good time to think about freedom—not just political freedom, but financial freedom.

According to Becoming Your Own Banker by R. Nelson Nash, one of the most powerful and overlooked opportunities in your financial life is hiding in plain sight.

It’s not about investing.
It’s not about earning more income.
It’s about how you finance the things you already buy—and who profits from those transactions.

💳 The Truth: You’re Already Financing Everything You Buy

Here’s the reality: whether you pay cash or take out a loan, you’re financing everything you buy.

If you use cash, you’re giving up the ability to earn interest on that money.
If you borrow, you’re paying interest to someone else.

In both cases… you lose.

But what if there were a third option?

🔄 The Shift: Recapturing Debt with Infinite Banking

Nelson Nash teaches that the most profitable thing you can finance is your own debt — because most people are already paying interest to someone else for the majority of their lives.

Think about it:

Car loans
Credit cards
Student loans
Business financing
Equipment or renovation costs

These are all expenses that flow away from you and into someone else’s banking system.

When you implement the Infinite Banking Concept using a properly structured whole life insurance policy, you create your own personal financing system.

You can:

Borrow against your policy’s cash value
Finance purchases through your own system
Repay yourself over time—while your cash value keeps growing

You don’t avoid interest…
You just change who earns it.

💡 Real-World Example: Car Financing

Let’s say you typically finance a car every 5 years at 6% interest. Over your lifetime, that adds up to hundreds of thousands in payments to a bank.

Now imagine building your own policy early on.

When it’s time for your next vehicle, you borrow against your policy, make the purchase, and repay your system (on your terms). The cash value continues to grow, and the interest is redirected within your financial world—not someone else’s.

This is how wealth is quietly built over time—without chasing risky investments or hoping the market cooperates.

🔓 Final Thought: The Door to Freedom Is Already Open

You’ve likely been taught to focus on investing.
But investing without control is gambling.

Infinite Banking puts you in the driver’s seat by addressing the biggest leak in most households: interest lost to outside institutions.

If you’re already financing major areas of your life, why not build a system where that money flows back to you?

That’s what Nelson Nash meant when he said:

“You finance everything you buy. You either pay interest to someone else, or you give up interest you could have earned.”

And now that you know, you get to choose.

👉 Ready to reclaim your debt?

🔘 Download the Free Guide to Infinite Banking
🔘 Schedule a Call and let’s walk through how this applies to your life

This Independence Day, start your journey toward real financial freedom — by becoming your own banker.

Change Your Financial Trajectory

In the book, “How Privatized Banking Really Works” (Lara & Murphy), “It is possible to salvage your household’s financial situation, despite the shackles put in place by powerful forces. But you don’t stand a chance if you allow these same forces to design your blueprint for escape…”

We are in strange times, financially speaking. Any given day, we can turn on the television and hear someone talking about the inflation rate, consumer debt, a boom or bust cycle, investment decline and more. At the time of this writing, US National debt is up over $30 Trillion. Student Loan debt is up past $1.7 Trillion. Credit Card debt has surpassed $1.1 Trillion. Only ten years ago, US National debt was at $15 Trillion. Credit Card debt was hovering at $852 Billion. Let those numbers sink in.

Let’s take a minute and visualize just One Trillion Dollars. If you spent $1 per second you will have spent $86,400 in one day or $31.5 Million in a year. It would take you nearly 32,000 years to spend 1 Trillion dollars. Again, our Country is $30 Trillion in debt. You can draw your own conclusions on the impact of this kind of spending.

Personal finances for thousands are in shambles or at best traumatized. Savings accounts are being depleted, retirement accounts taking a beating, interest rates rising, and the list goes on.

How do we protect our hard earned money? Where do we store money besides our bank accounts & qualified employer or government controlled environments?

In our financial world, most of us prefer to have our money in something that is safe, liquid, has a high rate of return, is tax advantaged, can provide a (future) source of income, isn’t correlated with the stock market if it can be helped, acts as a hedge against inflation, and is creditor protected. It’s ok to dream, right?

Change the way you think about your finances, and it will change your future.

One little known strategy used by the wealthy is putting money through a properly structured whole life insurance policy and utilizing the cash value access to create financial velocity. We call this the Infinite Banking Concept. It is an avenue where you can warehouse your wealth allowing it to compound year over year (internally) even while you’re using it (externally) to make even more money. It is a place to warehouse your wealth while at the same time borrow against it to use for real estate investing, private money lending, financing your own car, a down payment on a house, buy a house outright, and even retire on.

One has to wonder why the wealthy use this strategy. One has to wonder if simply changing the way we think about money can change our financial trajectory, while still allowing us to do the things we love.

Article written by Jason K Powers.
Jason K Powers is a Mutli-Business Owner, Real Estate Investor & Wealth Strategist helping people change the way they think about their money, to create financial velocity that can last for generations.

Change The Way You Think

Nelson Nash, the man who coined the term Infinite Banking Concept, talks about 5 human problems, or psychological pitfalls, that we all must overcome in order to have a disciplined financial plan. Overcoming these pitfalls is paramount to not just surviving financially, but thriving.

The first human problem is what has been coined as Parkinson’s Law. This was coined from C. Northcote Parkinson’s book by the same name. This law can be summarized in three points.

The first point is, “Work expands to meet the time envelope allowed.” In the context of real estate, how often have you had one contractor on one job complete something in the 10 days they were allowed, and then when you give them the same job on another project but 30 days to finish, it took the full 30 days? Life is full of these kinds of examples – kids and homework – work deadlines – and basically anything else that has a deadline. What if we could master overcoming this trait in our lives, and get things done more efficiently, and consistently? What if our finances were working this way?

The second point is, “A luxury, once enjoyed, becomes a necessity.” I remember spending eleven years in a home with no air conditioning. When I moved out of that home and into a house with central air, I couldn’t believe I ‘survived’ all those years without it! How many things in life have we convinced ourselves that we can no longer live without? From a financial perspective, what if we had a better handle on our own understanding of these things in our own lives? What would change in your own finances if you could have a little more self-control and discipline?

The final point is, “Expenses rise equal to income.” When a pay raise, or bonus, comes along we usually have it spent (in our minds) before it even hits the bank. Once we have a consistent increase in income, most of us in the world begin to expand our living environment in one way or another. If we were better at living below our means, do you think we could get ahead a little better?

We have to change the way we think about money!

The average American household spends a shocking amount of money on interest payments each year on things financed. The average American is putting their pre-tax money into accounts that they can’t touch for decades and will be taxed at an unknown future rate – yet at the same time believe taxes are going up in their lifetime. The average American follows the heard, financially speaking.

What if there was a way to change up the status quo with your finances? What if you could be the bank and borrow from yourself instead of an outside institution? What if your one pile of money could grow in two places at the same time? What if you could live on income tax free money at retirement? These are all things we teach people how to do here at Unbridled Wealth.

Change the way you think about your finances, and it will change your future.

Article written by Jason K. Powers

Recapturing debt with Infinite Banking

The average household in the United States currently carries a debt of $137,000, which is a staggering amount. For context, the median debt in 2000 was only $51,000.

Here in America, we’re taught to finance our cars and our homes. Then, we’re told to get a few credit cards—because you need good credit—and it’s okay to buy something that you can’t afford—but pay it off as soon as you can… and the cycle goes on.

In the end, we find ourselves standing at the kitchen table, looking over a staggering pile of bills. We scratch our heads, wondering how we got into a position where debt became such a daily burden.

There are plenty of popular strategies to help people get their debt under control. Grandma’s envelope system for household budgeting, for example, might be a great starter strategy for those who can’t seem to control their spending habits. Debt stacking is a great approach for knocking down debt, though it does require some discipline.

One of the services we offer at Unbridled Wealth is helping you build a debt recapturing plan by applying the Infinite Banking Concept (IBC). The Infinite Banking Concept is best achieved through a properly structured dividend-paying whole life insurance policy, which we help you develop. Once you understand the process of using a whole life policy to recapture your debts, you begin to see tremendous cash value growth through the life of the policy, which offers you more freedom to manage your own personal finances.

The whole life insurance policy we’re talking about is far different than your ‘average’ policy. It is not Universal Life (IUL’s, VUL’s), Annuities, or Term, nor is it an investment product. Instead, it’s a way for you to build cash value inside of a policy while still having access to that cash along the way. Your money will gain uninterrupted compound growth inside the policy. Rather than needing to finance everything with a traditional bank, you have the ability to be your own bank.

How much money would you save in life, if you didn’t pay interest to an outside bank?

So what about recapturing debt inside of a policy? If a bank were willing to gradually consolidate your outside debts, let you decide the terms of the loan repayment, guarantee you growth of the cash value that you have accumulated (even with an outstanding debt balance), and offer to pay a guaranteed sum of money to a beneficiary once you pass away (outstanding loans or not), would you be inclined to use that bank? I should hope so!

This is what IBC can do for you.

Alternatively, you can pay down your debts, pay interest to the banks, and end up with a zero-dollar debt balance. That’s a great accomplishment too! But would you, if you could, take advantage of all the other benefits along with it?

Reach out to us and we’ll show you how.