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PODCAST

Infinite Banking Mastery

Valerie LaRoque

Having a safe and secure retirement feels impossible today. With inflation, higher taxes, volatile stock, and property markets, it"s overwhelming, isn"t it? And the banks and government aren"t going to help you. We all know this. That"s the bad news. The good news? You can live a debt-free life and retire with a sizable nest egg. In fact, this is easy — so long as you don"t rely on the government and the banks. Valerie LaRoque, your host, is an authorized IBC Practitioner (with the Nelson Nash

business investing

All Episodes

13:46

Teen Series Part 4 - Whole Life Insurance is Not Just...

Infinite Banking Mastery ·

2026/10/08

If you think Life Insurance is just about leaving something behind when you die, think again. In this fourth part of my series on teaching teens and young adults real financial skills, I'll show you how a Whole Life policy—especially when set up for Infinite Banking—lets you use your money while you're alive, with flexibility, liquidity, and tax advantages other retirement plans don't offer. You'll see why starting early matters and how you can give your kids a real head start. Make your money work

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15:17

Teen Series Part 3 - Two Primary Ways to Save Money...

Infinite Banking Mastery ·

2026/10/01

Are you thinking about creating a truly tax-free retirement nest egg or helping your teen get started? Join me as I reveal the two ways to build income-tax-free savings: the Roth IRA and cash value Whole Life Insurance using the Infinite Banking Concept. Most people only know about one of these, but both have advantages and one clearly overtakes the other. I'll walk you through how each works, why taxes matter more than you think, and what I'm teaching my kids to help them start strong early—one of

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12:46

Teen Series Part 2 - What Happens When Your Safety...

Infinite Banking Mastery ·

2026/09/24

This week, I'm continuing our series on teaching smart money habits to your teens and young adults. After I covered the basics, my own son asked what happens if your emergency fund runs out. Today, I'm giving you the straightforward answer: why credit cards won't save you, and why Long-Term Disability coverage is something you—and your kids—need to understand early. If you want real financial security, you need to protect your income, not just your savings. Let's get into what you should know,

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12:46

How to teach your teens Part 1

Infinite Banking Mastery ·

2026/09/17

Today, I'm starting a new series to help you teach the teens or young adults in your life real-world financial principles—and it all begins with building an emergency savings account. I'll share how I broke down these money basics for my own kids, why a financial cushion matters, and how you can help the next generation set solid saving habits from the start so that they can dream big with IBC! Whether you're just figuring this out yourself or guiding someone younger, this episode introduces how to

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19:55

Encore: Should I Own Whole Life on My Children?

Infinite Banking Mastery ·

2026/09/10

This is an encore episode of Should I Own Whole Life on My Children?, originally aired on June 1, 2023. Time is your child's greatest asset. Especially when we're talking about investing. The reason? Compounding interest. The earlier your child starts investing, the greater the power of compounding interest. And that's where the REAL power of a whole life insurance policy comes into play. So, whenever a client asks me, "should I own whole life insurance for my child?", my answer is always… Yes!

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11:57

Encore: Flowing Your Money Like Banks Do

Infinite Banking Mastery ·

2026/09/03

This is an encore episode of Flowing Your Money Like Banks Do, originally aired on May 25, 2023. The banks receive massive paydays by collecting interest off of YOUR savings. Here's how: Banks don't let the money you give them sit there. They loan it out as fast as they can, marking it up with interest, and selling it back to us in the form of car loans, mortgages, business loans, etc. They do all this because they make a much higher profit by keeping the money in motion, rather than letting it

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12:56

One Dollar, Two Jobs

Infinite Banking Mastery ·

2026/08/27

Today, I'm clearing up key questions around how Infinite Banking really works so you know exactly how it helps you grow your wealth and keep it. I'll show you the IBC mechanics for creating lasting wealth, including why it's better to borrow against your Whole Life policy—not withdraw—and how to keep your cash working in more than one place at a time, just like banks do, but without giving away interest to banks. If you're ready to take control of your money with a smarter path to a secure financial

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14:43

The Wisdom of Nelson Nash — In His Own Words

Infinite Banking Mastery ·

2026/08/20

Today, I'm taking you to the heart of the wisdom of Nelson Nash, the creator of the Infinite Banking Concept and author of Becoming Your Own Banker, sharing some of his most powerful quotes and the core principles of IBC. If you've ever wondered what IBC is really about—how every purchase is financed, and why the real value of IBC lies not in chasing rates of return, but in controlling your banking function with discipline and a long-range mindset—this episode will speak to you. Get ready to rethink

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12:05

The Income Protection Conversation Most People Are...

Infinite Banking Mastery ·

2026/08/13

In this episode, I'm asking you to get real about what would happen if you suddenly couldn't work. Most people have never crunched the numbers or thought through just how quickly expenses keep piling up when income stops. I'll walk you through key questions to figure out where you stand, why disability coverage to protect your income is absolutely essential, and the risks of believing "it can't happen to me." Let's make sure your income, and everything it supports, is protected before you need it

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11:54

The Income Protection Conversation Most People Are...

Infinite Banking Mastery ·

2026/08/06

In this episode, I break down the basics of Long-Term Disability Insurance—what it is, why it matters, and the biggest mistakes people make when choosing a policy. I'll explain the real difference between "own occupation" and "any occupation" coverage, why most policies only cover 60–70% of your income, and why you shouldn't count on Social Security as your safety net. If you're a business owner or professional, protecting your income is non-negotiable. Let's get clear on how to do it right. Listen

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09:41

The Income Protection Conversation Most People Are...

Infinite Banking Mastery ·

2026/07/30

Ever wonder what would happen if you couldn't work for a few years because of illness or injury? Most people don't give it much thought—but with the odds as high as one in four, it's worth a closer look. In this three-part episode, I break down what long-term disability insurance actually does, the common misunderstandings about it, and why protecting your income matters more than most realize. If you care about your family's financial stability, you'll want to hear this. Listen now! Show

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12:41

Big things to remember after you've started your policy

Infinite Banking Mastery ·

2026/07/23

Today, I'm sharing the key things to keep in mind after starting a Whole Life policy, with a client story to show why patience matters during a policy's initial years. Because Infinite Banking is a long-term play, and it's worth it! And here's a question I hear all the time: "Are you really borrowing your own money when you take a policy loan—or is something else going on behind the scenes?" I'll clear up those misunderstandings and explain how IBC helps you grow your money, keep it accessible, and

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14:57

You're Approved. Then Life Happened. Here's What to do.

Infinite Banking Mastery ·

2026/07/16

Are you all set to start your Whole Life policy for Infinite Banking, but life has thrown a curveball, and now you can't meet your premium goal? Don't worry, this doesn't have to derail your wealth-building journey. I'll explain how you can adjust your funding without losing momentum or missing out on valuable compounding time with simple, practical Whole Life options. Plus, you'll hear what to keep in mind about MECs. If you're navigating this exact challenge or want to make the best start possible

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12:23

Your Banking System Is Supposed to Outgrow Itself

Infinite Banking Mastery ·

2026/07/09

Ever wonder if you need more than one Whole Life policy for Infinite Banking? Most of us end up with more than one, and in this episode, I'll explain why it actually means you're doing it right. I'll share why your banking system naturally outgrows a single policy, from IRS limits to your increasing income and insuring family members. With IBC, growth is the plan! Let's talk about building real financial control, one policy at a time, in your expanding pool of wealth with IBC built into your life

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14:27

Encore: The Mechanics of Paying Yourself Back with...

Infinite Banking Mastery ·

2026/07/02

This is an encore episode of The Mechanics of Paying Yourself Back with Interest, originally aired on May 18, 2023. When you pay yourself back with interest, you can: Avoid paying the banks ANY interest (and pay your banking system that interest instead.) Potentially retire with a larger nest egg, because you're receiving that excess interest And you'll stop forking over your hard-earned money to Wells Fargo or some other greedy banker All of this sounds great, but one of the biggest

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13:32

From Leak to Legacy: Redirecting Everyday Dollars...

Infinite Banking Mastery ·

2026/06/26

If you're considering Infinite Banking, you may be asking, "Where do I find the money to fund a Whole Life policy?" The truth is, you probably just need a closer look at where your money is already going. Today, I'll reveal practical ways to minimize your expenses and free up those hidden dollars from forgotten subscriptions to even overlooked savings on insurance or recurring bills. I'll show you how each dollar you reclaim can secure your financial future, all without extra effort or sacrifice

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11:11

LTC Coverage - What Nobody Tells You

Infinite Banking Mastery ·

2026/06/18

Are you prepared for the real costs of aging? Today, I'll cover key things you should know about Long-Term Care Insurance, including using benefits to pay family members and even cover home modifications to stay safely at home. I'll show you why planning LTC sooner is smarter than later, and the ideal age to apply to qualify for it. If you want to safeguard your independence and financial legacy, this episode will help you think through your LTC options and plan ahead for a safe and peaceful future

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13:17

What You Need to Know Before Choosing LTC Coverage

Infinite Banking Mastery ·

2026/06/11

In this episode, I'm breaking down the essentials of Long-Term Care Insurance coverage—how policies work, what triggers benefits, and your options for benefit amounts and periods. I'll also talk about the WA Cares Act, exposing how it's an inadequate solution for your real LTC needs, and the pitfalls to watch out for as more states consider similar tax programs. If you want clarity on how to make the right choice for a reliable LTC policy that protects your retirement and legacy, this episode is for

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09:53

Why Long Term Care is Really a Cash Flow Crises

Infinite Banking Mastery ·

2026/06/04

Are you aware of the real cost of long-term care—what it means for your retirement security? In this episode, I explain how health events can deplete savings and trigger higher tax brackets. That's not a gamble you need to take. I'll show you how long-term care coverage can protect your retirement savings and your survivors. Learn also why your future self will thank you for starting on long-term care planning early while you're still healthy. Listen now! Show highlights include: Why treating

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11:25

Will Long Term Care Wipe Out Your Retirement?

Infinite Banking Mastery ·

2026/05/28

Today, I'm talking about one of the biggest threats to retirement savings—long-term care costs. Most people will need some kind of care as they age, and the costs can be much higher than expected. In this episode, I'll break down how long you might need care, what it typically costs, and how these expenses can affect your plans for retirement. If you've ever wondered about long-term care and how to prepare, this episode is for you. I want you to know that there is hope. Listen now! Show highlights

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