In this episode of The Everyday Millionaire, host Patrick Francey sits down with Chris Naugle, former pro snowboarder turned financial strategist, to unpack how to “be your own bank.” Chris, now recognized as America’s #1 Money Mentor, explains how traditional banks profit from your deposits and how individuals can reclaim control using a concept known as privatized banking or infinite banking. Through real-world examples and financial transparency, Chris shows how specially designed whole life insurance policies can serve as private banking systems that offer guaranteed growth, liquidity, and tax advantages. He discusses the mindset shift required to break free from conventional banking and start earning compound interest on your own terms. Patrick and Chris also dive into debt reduction, personal discipline, and the power of giving. Chris shares stories of his entrepreneurial journey—from launching his first snowboard shop at 17 to building multiple companies—and his vision for integrating decentralized finance with timeless wealth principles. This powerful conversation blends financial education with mindset mastery, showing that true wealth begins with resourcefulness, self-awareness, and a willingness to do the hard things.