StackedLife is the podcast for smart savers hungry for real, proven financial strategies. I'm John Perrings, an Authorized Infinite Banking Practitioner. In this weekly podcast, I cut through the noise to deliver practical, principle-based strategies rooted in IBC that work regardless of market conditions. If you're done with status quo advice and want to grow your wealth and income with safe, foundational strategies, this is your roadmap to financial independence.
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Savers are losing control (How becoming your own banker fixes it)
Tuesday, September 29, 2026 • Duration 24:09
Most savers in America are losing control of their money, and they don't even realize it.
In this episode, I focus on the Infinite Banking Concept's core purpose: controlling your capital. Becoming Your Own Banker isn't about chasing returns. It's about knowing your money is there, growing predictably, whenever you need it.
Most people fall into one of two camps:
Camp 1: Struggling to save. If you don't have access to money, every financial need forces you to borrow from those who do. Dividend-paying whole life insurance gives you the structure and discipline to start building capital and keep it.
Camp 2: Diligent savers putting their money in suboptimal vehicles. Your money is locked in 401(k)s, IRAs, and CDs that penalize or tax you for touching your own funds. Savings accounts lose purchasing power, and brokerage accounts expose you to market swings and margin-call risk.
Whichever camp you're in, I'll show you why dividend-paying whole life is the best platform for being your own banker. It combines growth, liquidity, and guarantees.
I'm John Perrings, an Authorized Infinite Banking Practitioner. Every week I share practical strategies rooted in the Infinite Banking Concept for smart savers who want real financial independence, no matter what the market does.
🔔 Subscribe for a new episode every week. 📅 Work with me: https://stackedlife.com/consultation ✅ All my resources: https://stackedlife.com
(00:00) - Savers are losing control (How becoming your own banker fixes it)
(01:06) - My friend's dream ski cabin
(02:23) - Control before strategy
(03:16) - The Two Camps of Savers
(04:11) - Camp One: Struggling to Save
(07:13) - Financial gravity on our money
(09:45) - 401K Jail
(11:52) - Why don't people do what companies do?
(14:42) - Camp Two: Already Saving
(17:45) - Your lifelong need for financing
(19:28) - IBC in Action: Cars & Real Estate
(21:36) - Loan-to-Value - whole life can't be beat
Most People Choose The Wrong Financial Path — Only One Puts You In Control
Friday, August 28, 2026 • Duration 23:21
Most People Choose The Wrong Financial Path — Only One Puts You In Control
There are 3 financial paths everyone takes — the default plan, the high-risk "hack" plan, and the principles-based plan. Only one actually puts you in control of your capital.
In this episode of StackedLife, I break down why most savers have zero control over their money, why chasing "hacks" leaves you exposed, and how the Infinite Banking Concept using dividend-paying whole life insurance creates one rock-solid place for your capital — so you can take smarter risks everywhere else.
WHAT YOU'LL LEARN: ✓ Why traditional financial planning leaves your future to variables you can't control ✓ Why the "hack" culture feels exciting but fails without a foundation ✓ How Infinite Banking gives you liquidity, security, and control regardless of market conditions ✓ How to build your warehouse of wealth before chasing the next opportunity
This is for smart savers who want financial freedom through principles, not promises.
🔗 Ready to take control? Subscribe to StackedLife for weekly principle-based Infinite Banking strategies. 👉 Work with me: https://stackedlife.com/consultation
(00:00) - Most People Choose The Wrong Financial Path — Only One Puts You In Control
(01:47) - Lesson From My Life in Startups
(04:07) - Path 1: The Default Route
(05:52) - Why Typical Financial Planning Fails
(08:14) - 401(k) Problems
(11:30) - Path 2: The Financial Hack Culture
(12:29) - High Time Preference & Risk vs. Return
(16:08) - Process Over Product
(17:53) - Path 3: Principles-Based Strategies
(21:23) - Whole Life Insurance & Infinite Banking
Keynote: Balanced policy design for max cash value
Saturday, May 30, 2026 • Duration 29:57
My keynote to 200+ Infinite Banking Advisors at this year's IBC Think Tank. Policy design for Infinite Banking is not just about getting the highest cash value in the first year.
There is no expertise in these types of designs.
The expertise lies in helping people massively increase the control they have over their capital - for the rest of their lives. Ironically, when you approach Infinite Banking with this mindset, you'll end up with much more cash value than a supposed "high early cash value" design.
About me: I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.
(06:30) - Silicon Valley Background & Institutional Investor Lessons
(11:36) - IBC as High-Level Financial Strategy
(14:10) - The Three Ways to Get High Early Cash Value
Inside Trent Fortner's Playbook: How top advisors use whole life to create lifetime cash flow for clients
Monday, March 30, 2026 • Duration 01:00:05
The legendary Trent Fortner helps people see the dangerous, hidden corners present in almost everyone's financial picture. We get into the numbers to prove that whole life insurance is about 1/2 the cost of term insurance, if you know how to calculate it accurately using financial math.
If you're an agent who's been in the business for 30 days or 30 years, you'll get a ton out of Trent's upcoming workshop. Learn more about THE PRODUCER'S MASTERY WORKSHOP here:
About me: I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.
(00:00) - Inside Trent Fortner’s Playbook: How Top Advisors Use Whole Life to Create Lifetime Cash Flow for Clients
How I design Infinite Banking policies that grow with your income
Saturday, March 21, 2026 • Duration 18:31
The trendy obsession with "efficient policy design" in the whole life insurance and Infinite Banking space is cutting policy owners’ financial potential off at the knees.
The mindset is based on a fundamental misunderstanding: the belief that the growth of a life insurance policy works like an investment account, where more money early on means more money later. In reality, everything in a whole life policy is an actuarial calculation, and the trade-off for high early cash value is lost future potential — the ability to expand your policy as your income grows and your life changes.
About me: I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.
(00:00) - How I design policies that grow with your income
(01:00) - The "Efficiency" Myth
(02:47) - Insurance Is Not an Investment
(03:51) - Higher Early Cash Value Doesn't Mean Higher Late Cash Value
(05:09) - The Irony of Max PUA Designs
Why you don't need a "master plan" to start IBC
Sunday, March 8, 2026 • Duration 16:52
In this episode, we tackle the paralysis that keeps people from starting with Infinite Banking: not knowing what to do with your policy once you have one. It’s important to understand that strategically capitalizing, in and of itself, *is* the strategy. You don’t need a master plan to start because when you have cash, opportunities have a way of finding you.
About me: I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.
(00:00) - Why you don't need a master plan to start IBC
(01:10) - Learning from Mistakes I've Made
(04:15) - Understanding Strategic Capitalization
(07:58) - Emergency Funds and Opportunity Funds
(09:36) - The Power of Being a Discerning Investor
(10:48) - Capitalizing IS the Strategy
(12:04) - Practical Uses Without Investing at All
(14:46) - Thinking Long Range is Key, IBC or Not
(15:58) - You Really Don't Have to Worry
"Invest for the long term" is a trap
Friday, February 27, 2026 • Duration 18:53
"Invest for the long term" is one of the golden rules of Wall Street. But with conventional investing, it's really just a justification for the volatility and loss of control that come with locking your money in the market for decades, hoping everything goes right, on returns that aren't even what they claim. This episode breaks down the trap and what actually thinking long-term looks like when you maintain control and liquidity the whole way through.
About me: I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.
(04:29) - The Four Rules of Financial Institutions
(05:47) - Average Returns vs. Real Returns
(08:29) - Sequence of Returns Risk
(11:26) - True Long-Term Thinking with IBC
(13:31) - Policy Loans vs. Margin Loans
(15:12) - The 'And' Asset
(17:27) - The Life of Ever-Expanding Income
Why you're hestitating on whole life (and how to stop)
Thursday, January 15, 2026 • Duration 37:15
Fear, uncertainty, and doubt around whole life insurance keep people stuck in analysis paralysis, unable to move forward with Infinite Banking, despite its proven track record. But understanding where this "FUD" comes from and why it's largely overblown helps us understand that it's actually really hard to mess up a whole life insurance policy.
About me: I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.
(00:00) - 024 Why you're hesitating on whole life (and how to stop)
(01:10) - Generations of Status Quo Financial Thinking
(04:48) - Information Overload & Finding the Right Advisor
(08:45) - IBC Hype and Sensationalism
(12:44) - Philosophy vs the Math
(17:02) - Policy Design Concerns
(19:48) - High Early Cash Value Trade-offs
(22:47) - Policy Lapses & Wrong Products
(26:12) - Finding an Advisor You Like and Trust
(27:48) - Agent Commissions
7 Cash flow shifts to fund Infinite Banking
Tuesday, December 2, 2025 • Duration 33:10
Most people struggle to free up cash flow because traditional financial planning locks their money away in illiquid accounts and debt payoff strategies, leaving them vulnerable when opportunities arise and unable to capitalize on the moments that matter most.
About me: I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.
(07:28) - Whole Life Insurance: Liquidity and Control
(08:08) - Strategy 1: Retirement Plans (401k/IRA)
(10:30) - The Tax Deferral Reality
(12:31) - Whole Life as the Swiss Army Knife
(13:40) - Contributing Only Up to the Match
Financial Planning is a Complete Disaster
Friday, November 21, 2025 • Duration 16:44
Conventional financial "planning" is a misnomer: it relies on an unstable foundation of market variables, gives up control, and follows the herd. Learn three timeless principles of a financial strategy based on certainty and control that allow you to stop chasing risk and build your own banking system.
About me: I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.
