Episodes

This week we’re going through some of the most common myths and misconceptions about IBC. Some come straight from client questions and learning events, and plenty come from what’s floating around online. A lot of them stick because they sound reasonable until you look at how a properly designed IBC policy actually works. We take on a few them this podcast, say where the confusion comes from, and talk about what we’ve seen in practice. If you’ve heard something about IBC that doesn’t sit right, t...

You’ve probably heard this one before: IBC is caught, not taught. Where did that phrase actually come from, and what does it mean in practice? We get into how LSL thinks about it — and why “catching” it tends to be a lightbulb moment, one that changes how people see the uses of their policy and, for a lot of folks, marks a real turning point in how they run their system. The post IBC is Caught not Taught appeared first on Life Success Legacy.

This is one we’ve talked around plenty of times but never actually sat down and recorded on its own: annual prepaid interest. So that’s what we’re doing here. There are a few different ways to handle it, but we get into what it actually is, why it gets charged, why that charge actually works in your favor, and how each of us personally handles paying it. The post Annual Prepaid Interest appeared first on Life Success Legacy.

This week we’re back on a question that comes up all the time in Boot Camp: how aggressive should your policy design actually be? We’re all for putting a policy to work right away, whether that means paying down debt or covering everyday expenses, but ultra-aggressive design is where we draw the line. We go through several examples, including a few from our own experience, and no one on the Life Success & Legacy team designs policies this aggressively. Ours typically run even more conservative t...

Clients ask us this all the time: how many policies do you actually have, how did you fund them, and do you really need more than one? In this episode, we go through our own systems and provide an overview of why we started each one, and the reasoning behind adding more. The post Why We Started Our Policies (and How We Funded Them) appeared first on Life Success Legacy.

Chris sits down with Mike Everett — founder, leader, el jefe, take your pick — to get into IBC, Nelson Nash, and what’s been happening with LSL. Grab your coffee for this one cause you know an Everett interview is not to be missed! The post Interview with Mike Everett – 2026 Edition appeared first on Life Success Legacy.

What happens when a former principal runs into one of his old elementary school students — years later — and they’re both deep into the Infinite Banking Concept? That’s exactly this episode. Chris sits down with Andrew Dalager for a conversation that’s equal parts reunion and revelation. They reminisce about the early days, catch up on life and family, and then get into the good stuff: how Andrew found IBC, why it clicked for him, and the banking system he’s been steadily building ever since. It...

We hear it constantly: when can I stop paying premiums? Nelson Nash owned 49 whole life policies at one point — many not even on his own life. He wasn’t looking for an exit. He was building something. Policies paid for as long as possible create a family bank. One that stops depending on traditional banks. One that actually passes wealth forward. In this episode we cover policy structure, personal preferences around premiums, and what Nelson knew all along. Stopping isn’t the goal. Building is. ...

In this episode, Chris sits down with Jeff King — a man of many dimensions, but boring isn’t one of them. This first conversation is all about getting to know Jeff: his background, his philosophy, and how he and his wife are putting the Infinite Banking Concept to work in their own lives. Jeff also plays a role in the team’s Dream Conversation — but those details will have to wait for episode two. Tune in and get to know one of our favorite people behind the scenes. The post Jeff King: Infinite...

In this episode, Chris Bay sits down with Pei Chen to discuss her incredible journey into Infinite Banking and velocity banking. Once a curious observer on the sidelines, Pei has grown into one of the most respected voices in the space. She breaks down key concepts, shares real-life implementation examples, and offers insights shaped by years of teaching and hands-on experience. This conversation is packed with wisdom and practical takeaways. Don’t miss Part 1 of this powerful two-part series! ...

In this episode, Chris, Mike C., and Mike K. dive deep into the third thing IBC can do — what Nelson Nash called Passive Income. Nelson famously removed the word “retirement” from his vocabulary, but what did he actually mean by that? The team explores the history of retirement as we’ve come to know it, unpacks what Nelson laid out in Becoming Your Own Banker, and shares real-world examples alongside the Life Success & Legacy approach to teaching this powerful principle. The post Is “Retirement...

In this episode, we break down everything you need to know about our upcoming live event in Houston. We start with the social gathering hosted by Mike K and Pei C on April 10th — a relaxed evening designed to connect, build relationships, and kick off the weekend the right way. Then we walk through the updated format for Saturday’s learning event on April 11th. While the morning will still deliver focused education, the afternoon shifts into an interactive mastermind experience. We’re putting mo...

In this episode, the three Mikes revisit a foundational concept of Infinite Banking: banking is a process, not a product. We begin with Mike Everett going back to the basics, walking through how Nelson Nash framed this idea in Becoming Your Own Banker, and grounding it with real-world experience from working with clients in practice—not theory. Then Mike Kwong unpacks how Income Stacking through DIBS and IBC creates a powerful, repeatable system for cash flow, control, and long-term wealth bui...

In this episode, the Mikes’ and Chris recap the LSL journey with a 2025 year-in-review conversation. Mike E takes us back to the early days of Life Success & Legacy, and together we trace the path from inception to today—and beyond. We dive into what’s ahead, our excitement around client success, and the live events coming up that we can’t wait to share. The post 2025 Recap: Looking Back, Moving Forward appeared first on Life Success Legacy.

In this episode, Chris sits down with Steve Harmon—an intentional, goal-driven person whose path into Infinite Banking wasn’t exactly smooth. Steve hit a few bumps early on, but instead of backing off, he leaned in, learned fast, and turned those lessons into a mission. Today, he’s become a trusted voice and go-to resource in the IBC community, helping others avoid the same pitfalls and implement the strategy with clarity and confidence. Steve’s story is equal parts honest and inspiring—and his ...

In the second half of this powerful conversation, the script flips — and Chris becomes the interviewer! He invites Christina to share her own deeply personal story, giving listeners an inside look at the experiences, struggles, and motivations that shaped her journey. Christina opens up about the financial challenges she faced, the mindset shifts she had to make, and how discovering the Infinite Banking Concept (IBC) transformed not only her own financial path but her vision for her family’s fut...

Chris Bay kicks things off with a brief history lesson on how the concept of retirement came to be and why it looks the way it does today. Then Mike Kwong and Mike Crawford jump in with real-life stories and examples that challenge the traditional idea of “retirement” and highlight what it could mean through the Infinite Banking lens. The post Rethinking Retirement appeared first on Life Success Legacy.

This episode is a special one! Chris flips the script and gets interviewed by one of our favorite clients, Christina Conover-Merrill. She dives deep into his personal journey — how he first discovered Infinite Banking, what drew him in, and how he’s used his own policies over the years. Christina doesn’t hold back — they even dig into the lessons learned from the things that didn’t go according to plan. It’s an honest, insightful, and inspiring look at what it really means to live the Infinite ...

In this episode, Chris, Mike C, and Mike K dive into one of the four things IBC can do—and it’s not the one we usually highlight. We’re talking passive income! Together, we break down different ways your system can work for you to help create ongoing income streams. Our resident “income stacker,” Mike Kwong, also shares insights straight from his book DIBS. Tune in—you’re bound to pick up a new idea (or two)! The post How is IBC used for Passive Income appeared first on Life Success Legacy.

In this episode, Chris sits down with Sarah Vohra, whose journey with Infinite Banking began at a surprisingly young age. Her story offers a fresh perspective on why teaching the next generation about IBC is so important. Sarah shares personal success stories and lessons learned along the way — and at only 27, she’s already making a remarkable impact. Don’t miss this conversation with someone who’s taking the world by storm! The post Interview with Sarah Vohra appeared first on Life Success Leg...

In this episode, Chris sits down with the brilliantly goofy (and always insightful) Frank Keck! Frank shares his fun and inspiring journey with Infinite Banking, weaving in personal stories of both tribulation and triumph. Along the way, he offers powerful insights into the mindset that has shaped his personal and business life over the years — and gives us a sneak peek at his forthcoming book! Check out Core Build! The post Interview with Frank Keck appeared first on Life Success Legacy.

In this episode, Chris has the privilege of interviewing Clarke Tuitele — one of the kindest and most sincere people we know. Not only is Clarke a friend and client, but his story is one of resilience, wisdom, and deep authenticity. Tune in as he shares his incredible journey through life, investing, and IBC. It’s a rich, meaningful conversation we think you’ll truly enjoy. The post Interview with Clarke Tuitele appeared first on Life Success Legacy.

In this episode, we dive into the secret sauce of Infinite Banking. Don’t worry—it’s not complicated. So what is it? Regular monthly policy loan repayments. Yep. That’s it. That’s the sauce. Seems too easy, right? Well, remember Nelson’s principle: “Don’t steal from your system.” It’s in the top-three for a reason. Because if you can actually do it—if you can overcome the human problems—then like Nelson said: you win by default. The post Is there a Secret Sauce to Infinite Banking? appeared ...

In this episode, Chris sits down with the one and only Teri Wilkinson! Her path to Infinite Banking — and ultimately to finding the Life Success & Legacy team — is both inspiring and unique. Teri also happens to be the namesake behind the now-famous DIBS term “Ter’i’aki”! Tune in to hear her story, her insights, and why she’s become one of our all-time favorites. The post Interview with Teri Wilkinson appeared first on Life Success Legacy.