Episode 40: The Other Side of IBC Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave takes a look at the other side of IBC: the Life Insurance Component.  Much is made of the banking capabilities in IBC, but the life insurance side is often overlooked.  The fact that an IBC policy is tied to a life insurance policy provides stability, tax free implications, and legacy building power for generations.  Dave provides five thoughts on why building IBC policies around life insurance is so important.   Also in this episode, Dave calls people negative terms, forgets one of the most important parts, and works to convey that there are bigger things in life than money. Key takeaway: “Even though we talk a lot about the cash value and control aspects of Infinite Banking, at its core, we’re still dealing with a life insurance contract — and that brings built-in protection.”   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom

Episode 39: Critiques, Claims, and Cash-Value - IBC Conversations Online Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave dives deep into the internet world of finance.  After someone asks a question about IBC in a financial forum, Dave reads through the responses.  There is some good, a lot or misunderstanding, and some downright incorrect.  If you understand IBC in some of the ways stated in this episode, Dave’s goal is to shed light on the misinformation used to formulate the responses.   Also in this episode, Dave can’t talk, he calls out a big-wig for not knowing IBC, and gets mad at punctuation!   Key takeaway: Please, please, please - learn what IBC is and does.  THEN make your decision on whether or not IBC is for you and your loved ones.    Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom

Episode 38: Would ChatGPT Do IBC? Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave asks ChatGPT - If you were me, would you do IBC?  As an unbiased third party, ChatGPT walks Dave through the pros and cons of INC from its perspective.  ChatGPT also provides a checklist of things it would ensure are in place prior to jumping into building a policy, building on foundational principles and into financial literacy understanding.  Join Dave as he picks the brain of artificial intelligence, with the goal of helping you better determine if IBC is correct for you and your loved ones!  Also in this episode, Dave goes too slowly, feels weird in conversing with AI, and can’t enunciate coherently to end a podcast.  Key takeaway: “If I were a person living in the real world (with a job, income, family goals, and taxes to pay), I’d definitely look into IBC—but I wouldn’t jump in blindly.”   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom

Episode 37: IBC Stories: Yvonne Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave is excited to interview Yvonne Burke, an IBC expert and a long-time practitioner in her own right.  As an expert, Yvonne talks through people’s most asked questions when starting IBC, provides simple, succinct advice in getting started, and she shares where she made her biggest mistake in getting started.  Yvonne also addressed ‘the noise around IBC,’ what to look for in an agent when getting started, and misconceptions that lead to poor choices and, even worse, not getting started.  Sit back and relax with Dave and Yvonne provides experience and insight into IBC. Also in this episode, Dave doesn’t know hot swim, Yvonne becomes a franchisee, and Yvonne watches IBC change lives forever. Key takeaway: "Procrastination is the killer of dreams.”   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom

Episode 36: Can One Dollar do Two Jobs at Once? Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave poses the question. “Can One Dollar do Two Jobs at once?”  The answer: YES!  Dave discusses how this simple question gets at the heart of IBC.  The one dollar (1) stays within the policy growing one dividends, interest, and an internal rate of return while at the same time (2) is able to be leveraged to go pay for the things one already has slated in their budget.  It’s not too crazy to be true - it’s IBC! Also in this episode, Dave surprises himself with a good example, he uses other people’s money, and he’s excited for next week’s episode! Key takeaway: Re-think your thinking.  Understanding that one dollar is doing two jobs at once is a great way to understand IBC!   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom

Episode 35: IBC Stories - Joe Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave is joined by Joe Pantozzi, the founder and CEO of Alpha Omega Wealth.  Joe has been in the business 50+ years and had the privilege of personally knowing Nelson Nash, the founder of the Infinite Banking Concept.  Joe takes Dave and the listeners through the ideas of ‘re-thinking one’s thinking’ and capitalizing one’s policy - two of the foundational principles in getting started with IBC.  Joe is an expert in the IBC world, so sit back, listen, and learn with Dave as Joe engages everyone in an IBC master-class. Also in this episode, Joe is a Cy Young winner, Dave is a neophyte, and Joe lives in a world that doesn’t have Starbucks.  Listen in for another great IBC Guys episode! Key takeaway: Re-thinking one’s thinking is of utmost importance.  Capitalizing one’s policy takes discipline and the ability to go against the grain.   Alpha Omega Wealth - https://www.alphaomegawealth.com/   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom

Episode 34: The Trauma Around Money   Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave discusses a new book titled The Trauma Around Money: Mapping Compassionate Pathways to Healing Financial Wounds and Disempowering Shame.  Dave is no expert on the topic, but he does talk with a lot of people struggling with different mindsets (trauma) when it comes to money.  Join Dave as he discusses Chapman’s book, discusses his own story in money trauma, and shows how IBC can help combat some of the lies that others tell you and that you tell yourself. Key takeaway: True financial literacy and healing often require going beyond “how to budget, save, invest.”  Instead, one often needs to address first  the emotional, relational, generational stories that exist behind money.   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC! #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 33: Base vs. Paid Up Additions Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave discusses the two components that build IBC policies - the Base premium and the Paid Up Additions (PUA) premium.  He goes through and discusses how each policy should be built for the client and not just as a one-size-fits-all suggestion from the agent.  The Base and PUA should combine to provide the client exactly what they are looking for in the policy.  Dave also discusses the roles of the Base and the PUA, respectively, and how each has its own role within the policy.  If you’ve been looking for an episode that arms the listener in talking about IBC, this one’s for you!    Also in this episode, Dave divulges commission secrets, misses Mike’s profound knowledge, and doubles down on the desire of the IBC Guys.  Don’t miss it! Key takeaway: The Base premium and the PUA premium should combine to be exactly what the client wants.  If it doesn't, the policy is not for them!   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC! #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom

Episode 32: The Downsides of IBC Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave discusses the downsides of IBC.  The Guys want to get IBC out to everyone, so the Guys thought it time to discuss the downsides of IBC.  Dave discusses the downsides to individual policies as well as the broad overarching downsides of all Whole Life policies.  Dave doesn’t do this alone, though.  He brings in Nelson Nash, Carlos Lara, and Dr. Bob Murphy to help him discuss the aspects of IBC that maybe aren’t so great. Also in this episode, Dave cannot say big words, there’s technical difficulties, and Dave provides unprompted book reviews. If you’ve been wondering what the downsides of IBC are, this is the episode for you! Key takeaway: IBC is not an investment.  The goal of IBC is to monetize money one is already spending.  In other words, to have one's money make money make money. Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/ 🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC! #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 31 - IBC Loan: Is There Interest?    Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike is away and Dave works to tackle a question people often ask - “Is there interest when I take a Cash Value loan?”  Discussing the ceiling of Cash Value, the collateral of the Death Benefit, and how the ledger continues to make one uninterrupted compounding growth, Dave discusses how the interest rate comes out to about a 0% interest loan.  All the above, as well as fixed and variable loans, coalesce into an episode that answers the question, “Is there interest?” Also in this episode, Dave has no excuse for rabbit trailing, he discusses how IBC loans are leveraged within his own company, and he teases the coming episode with Mike.  If you’ve been interested in how loan interest works within IBC, this episode is for you! Key takeaway: Any money you’ve put into the policy continues to make uninterrupted exponential growth, even if/while you’ve borrowed against the Cash Value and are paying an interest rate to the insurance company.   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/ 🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC! #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 30: EVA (Economic Value Added) Part 2 Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave further discuss EVA - or Economic Value Added.  In Part 1, the guys worked to (1) define EVA and (2) provide insight into how IBC considers EVA while allowing one to still use someone else’s money.  EVA is a complicated issue but, at its heart, there is one question:  Has the earning potential been considered for the money you are saving or spending? Also in this episode, Mike is looking for listener help in how to become a guy that collects shoes, Dave dresses in his Mike Stevens uniform, and the guys think they have a lot of time left when they don’t.  EVA is a great advocate for IBC - ensuring one’s money is working for them before using someone else’s money to take care of needs. Key takeaway: Consider the money making potential of your capital before you save or spend.  Then remember, IBC allows one to do both! Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/ 🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC! #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 29: EVA (Economic Value Added) Part 1   Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave discuss EVA - or Economic Value Added.  Nelson Nash, the Godfather of OBC, states “One finances everything.”  What he means is that there is a cost to every choice made with one’s money - even saving it in a shoebox.  The Guys work to define EVA, discuss the impact EVA has on making financial choices, and then how EVA relates and shows up in IBC.  This higher level IBC topic is great for those who are just beginning their IBC journey as well as those who have had their policies for years!  Also in the 1st episode of 2 in talking about EVA, Mike is working on his professional wrestling catch phrase, Dave tries to sound smart in quoting Nelson Nash, and the guys compare their own personal banking policies!  EVA is a great mirror to look into when making decisions for one’s financial future.   Key takeaway: If one can, considering EVA is always best when making choices with money.   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom

Episode 28: Shame in Finances?   Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike is away, so Dave and Tim get to hang out and discuss an interesting topic around finances - shame.  The title of the episode has a two-fold meaning: (1) Does one have shame in finances and (2) Should one have shame in finances?  The guys share their thoughts around shame related to their own finances and, specifically IBC, including personal examples of how they have felt shame around finances in their lives.  If you’re looking for encouragement this week, this episode is for you!   Also in this episode, Mike knows everyone, Dave’s Mom thinks he’s crazy, and Tim purchases all of Amazon.  Join the guys as they talk through thoughts and feelings most people have when it comes to IBC and their finances!   Key takeaway: The IBC process is new and can be scary - but the worst mistake one can make is not starting!   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC! #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 27: The IBC Loan Process   Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave and Tim talk through the process of taking a ‘loan’ out of your IBC policy.  The guys work to explain the process, discuss common misconceptions and misunderstandings, and compare the IBC loan process with the loan process of a traditional bank.  If you’re ready for practical implementation, this episode is for you! Also in this episode, the jokes are at Mike’s expense because he’s not there, Dave gets mad at himself, and Tim wants to go to Tahiti.  Join the guys for an informative, practical episode on one of the key components of the IBC cash-flow system!   Key takeaway: The loan process for IBC is much MORE efficient and much LESS intrusive than the traditional going-though-a-bank loan process.   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 26: IBC Discussion: Tim Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, back by popular demand, Mike and Dave are joined again by Tim Scheinder, a long time IBC user. Time provides his perspective and insight in IBC in this round table discussion.  Tim is able to talk through some of the same ideas the Guys have discussed previously, but in a different way that brings clearer understanding. Also in this episode, Dave proposes a new title for the podcast, Mike rides a bike backwards, and Tim is an internet model.  Join the guys for a fun, less formal discussion of IBC! Key takeaway: IBC takes time to understand - give yourself some grace!   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/ 🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 25: IBC Stories: Tim   Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave are joined by Tim, a long time IBC user.  Time provides a POWERFUL story in (a) what led his family to utilize IBC and (b) how IBC has impacted his family’s financial future. Also in this episode, Mike tries out for the Senior PGA Tour, Dave gets put in his place, and Tim gets hit up for some of his wife’s cinnamon twists!  If you’re interested in how IBC was used to climb out of debt, you want to tune into Tim’s story!   Key takeaway: Running any expense though your IBC policy - including paying off debt - will completely change your family’s financial future for the better!   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/ 🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 24: Buy/Sell Agreements: Do You Need One? Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave discuss Buy/Sell agreements - definitions, examples, and encouragement in deciding if Buy/Sell should be in your life.  When life changes - death, retirement, disability, etc. - Buy/Sell agreements (a) proactively make the decisions for the change and (2) pay out any financial settlement that may be part of that change.  All the while, the owner of the policy can use the Buy/Sell agreement as an IBC policy, maintaining the control, liquidity, and usage that makes IBC so valuable! Also in this episode, Mike stands firm on his stance about an IBC Guys theme song, Dave gives up on trying to be funny, and the guys offer free things!  It's always a great idea to prepare for change and the guys work to show how a Buy/Sell agreement helps set people up for success when that change inevitably happens!   Key takeaway: Buy/Sell Agreements help put minds at ease while providing the financial stability for change, as well as the benefits of IBC - all at the same time!   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min   📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/   🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 23: IBC and Trusts: Mike’s Story   Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave talk about the relationship IBC policies have with Trusts.  The guys discuss legacy wealth, tax sheltering, and how Mike plans to bless his family for generations. In this episode, Mike decides he wants to (maybe) become a musician, Dave reveals his status as an attorney, and the guys ask for your help.  If you have been thinking about how to ensure your family’s financial status long after you’ve passed, this episode is for you!   Key takeaway: The trust is personal, needed, and trusts benefit greatly when dovetailed with IBC.   Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/ 🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC!   #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom

Episode 22: How Much Money Should Go Into My First Policy? Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave talk through an often asked question: “How Much Money Should Go Into My First Policy?”  The guys talk through different considerations, some key questions your family should ask itself, and help you to decide what the best amount should be for your first policy. In this episode, Mike isn’t featured on 48 hours, Dave is glad to have his buddy back, and the guys give the most frustrating answer ever.  If you’ve ever wondered how much money to put into your first policy, this episode is for you! Key takeaway: The amount of premium that goes into one’s first policy id dependent upon the person. Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/ 🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC! #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom  

Episode 21: How Many Policies Should I Have? Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave discusses the number of IBC policies that is just right for each individual.  Mike brings life into the world, Dave tries to explain things using cardinal directions, and Dave says things in a weird way - again! Key takeaway: The number of IBC one should have is dependent on the person. Resources Mentioned: 📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com 📞 Call: 507-205-2284 📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min 📱 Follow us on social media:  Dave’s Facebook: https://www.facebook.com/dave.parmerlee Dave’s Instagram: https://www.instagram.com/dave_ibcguys/ Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/   Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545 Mike’s Instagram: https://www.instagram.com/mike_ibcguys/ Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/ 🔔 Don’t forget to subscribe and leave us a review—it helps us reach more people looking for financial freedom through IBC! #InfiniteBanking #WealthBuilding #IBCGuys #FinancialFreedom