Episódios

  • You already know it’s hard to pay your bills and provide for your future because of inflation.

    But there’s something else chewing up your income. And you probably don’t realize how big a bite this monster is taking. That’s because there’s a clever distraction the banks happily use against you.

    In this episode I’m going to explain to you just what’s going on. And I’ll use examples from Nelson Nash’s classic book to do it. You’ll see how this problem has grabbed Americans’ spending power by the throat, and how you can escape the stranglehold.

    Listen now!

    Show highlights include:

    “All-American” secret, ignored by most, that can liberate you from financial struggles. And it’s way more secure than stuffing money under your mattress. (1:31) The three things Americans spend nearly all their money on: The actual percentages will shock you. (3:10) Why financing is involved in any purchase you make, even if you pay cash. (4:24) How moving at least once every 10 years makes your bank love you. (5:37) What to look for instead of interest rates. Ignore it and you’ll get buried by interest even if rates are historically low. (9:08)

    Reach out to me:
    [email protected]
    https://www.linkedin.com/in/valerie-laroque-lacp-b569509
    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • There’s a big money problem that is slowly crippling the entire country.

    It’s been two years since I talked about this on my podcast, but I’m doing it again in this episode because the problem is only getting worse.

    I’ll also share a solution to this problem, and why the best thing you can do for yourself is also good for your nation: whether you consider yourself patriotic or not.

    Listen now!

    Show highlights include:

    The question Jesus asked a lame man that can help you get back on your financial feet. (2:32) Behind-the-curtain look at how the Federal Reserve conspires with banks (3:21) “Messed up” legislation, passed in 2010, that forces you to spend your money to rescue your bank, no matter how irresponsible they were. (3:36) Common sense way to fight inflation without aiding and abetting the bank. And it’s way more secure than stuffing money under your mattress. (4:51) Buying real estate? Why banks and mortgage companies don’t mind (and won’t penalize you) if you’ve already taken out loans against your whole life insurance. (7:11)

    Reach out to me:
    [email protected]
    https://www.linkedin.com/in/valerie-laroque-lacp-b569509
    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • Albert Einstein is credited with saying “Compound interest is the eighth wonder of the world.” And one of the perks of IBC is that compound interest can work in your favor, even when you borrow against your whole life policy.

    But does that mean you should park all your money in savings accounts, or do you need to keep your money moving?

    It’s a popular debate with a definitive answer. And in this episode I’ll explain a slide used by Nelson Nash to compare compound interest to keeping your money in motion.

    What he discovered might surprise you.

    Listen now!

    Show highlights include:

    How to get the biggest impact from the money you borrow from your banking system. (2:58) Why IBC can help you become a profitable landlord without the anxiety and headaches of conventional real estate investing. (3:06) The “Sherwin-Williams secret” that will change how you look at savings accounts forever. (4:32) Real reason banks want you to keep your money in savings accounts. (7:59) Ever wonder why bank vaults aren’t bigger? Here’s why. (8:14)

    Reach out to me:
    [email protected]
    https://www.linkedin.com/in/valerie-laroque-lacp-b569509
    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • If you’ve owned your own business you know how hard it is just to get the doors open, let alone to keep things running long enough to turn a profit. But did you know that hard-earned wisdom is a great advantage when you apply it to Infinite Banking!

    And if you’re not a business owner, that’s OK. Because in this episode I’ll share and explain one of Nelson Nash’s favorite illustrations so you can learn these important lessons, even if you don’t have an entrepreneurial bone in your body.

    Listen now!

    Show highlights include:

    How a grocery store provides a great framework to think about Infinite Banking. (0:48) Secret motivation that propels business owners to work 12 hours a day, 7 days a week and how you can harness it to stay on track with your financial goals. (5:28) Why a trip down the produce aisle will make you better with money. (6:55) Crippling “owner’s mentality” that destroys small businesses and could also wreck your retirement planning. (8:44) Surprising reason paying more interest saves you money. (11:31)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

  • You’ve heard of Nelson Nash and Infinite Banking, but you might be wondering: how did he come up with this idea in the first place?

    In this episode I’m going to share that interesting story as he explained it in his book. But more importantly, you’ll be able to see how your willingness to learn from everything you do, and apply your unique perspective to your problems, can help you overcome your biggest challenges…even if it feels like you’re at rock bottom.

    Listen now!

    Show highlights include:

    - What insurance agents secretly hope you won’t ask them about the products they offer. Could be costing you thousands of dollars! (2:34)
    - Fundamental real estate principle to change how you look at money for good. (4:50)
    - What one of Nelson Nash’s most powerful quotes really means, and how to use it so you don’t stay dependent on commercial banks. (5:47)
    - “Like a baseball bat across the eyes.” Perspective shift that lets you boldly rally from rock bottom, even when things look their worst. (7:38)
    - How to “BYOB” your way to the right funding level for your policy. (10:42)

    Reach out to me:
    [email protected]
    https://www.linkedin.com/in/valerie-laroque-lacp-b569509
    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • You’ve heard of Nelson Nash, but you haven’t read his classic book yet. Or you’ve read it, but it’s been awhile. Either way, I’ve got you covered as we look at some of the biggest ideas from Becoming Your Own Banker.

    In this episode we’ll start with his very first page of writing. You’ll see what the banks have figured out, and why learning it for yourself can change your life and your net worth.

    Listen now!

    Show highlights include:

    Why Nelson Nash’s book should still be first on your list instead of newer works on IBC. (1:25) “97-3-10 Rule” of wealth accumulation that should shock you out of complacency with your personal finances. (3:17) Two businesses every businessman should be in if they really want financial freedom. (4:15) Surprising similarity between money and water. Understand this and you can win big with your finances. (4:33) Legal way banks use your own money to keep you broke while they thrive. (6:23) The two questions you must answer when wondering if IBC is right for you. (8:17)

    Reach out to me:
    [email protected]
    https://www.linkedin.com/in/valerie-laroque-lacp-b569509
    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • You know enough about Infinite Banking to know you can use a Whole Life policy to effectively make loans to yourself. But you’ve also heard critics say it takes a long time before you can get access to the funds.

    In this episode, I’ll cut through the confusion to give you a realistic picture of just how soon you’ll have access to funds you can borrow against. I’ll also share why, with some companies, you can now access funds sooner than ever before.

    Listen now!

    Show highlights include:

    Critics say it takes forever to access funds in your whole life account. Here’s how to do it in weeks, not years. (1:06) Paying monthly premiums? Here’s how long you should wait to borrow against that account. (3:38) Powerful tool helps you knock out debts while only tapping your account once per year. (3:58) The friendly employee your bank has, but the insurance company doesn’t. And the surprising reason the financially savvy want to keep it that way. (4:55) Really want to borrow against your plan right away? Here’s how to do it with enough cash value to avoid long waits. (6:36) Using your checking or savings account to hold a big down payment on a house? Where you could put that money instead so it works harder and more efficiently for you. (7:18) How the Paid Up Additions rider works so efficiently, and what to look for so you don’t get surprised when it’s time to move your money. (8:30)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

  • There are different reasons people think Infinite Banking couldn’t work for them. But the most common concerns are age, health, and income.

    If you’ve ever wondered “Am I too old?” or “Do I have enough money?” or “Will my high blood pressure get in the way?” this is your episode!

    I’ll explain what factors are most important to qualify for the whole life coverage you need for efficient Infinite Banking. And I’ll share strategies you can use to get this coverage even if your health isn’t as good as it used to be.

    Listen now!

    Show highlights include:

    Your biggest concerns about your ability to get coverage aren’t really the biggest concerns. The single factor that trumps both your age and your income. (0:45) Want to insure a relative? It’s possible, but not always as easy as you think. (0:56) “No risk” way to consider underwriting even if you have common health issues like high blood pressure or high cholesterol. (2:05) The practical reason to be completely honest filling out paperwork about medical conditions. (2:37) “Big picture” view of insurance ratings and how the different rate classes affect Infinite Banking. (4:16) Rating class too low for a whole life policy that works great with IBC? Do this immediately. (5:02) Waiting until your health improves before you get coverage could be the biggest mistake of your life. Here’s what to do instead. (5:48) Why a lower health rating doesn’t drive up IBC costs as high as you think. (9:32) Definitive answer to the age-old question: “Can IBC really work for me?” (10:58)

    Reach out to me:
    [email protected]
    https://www.linkedin.com/in/valerie-laroque-lacp-b569509
    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • When a couple comes to me with one income earner and a “stay at home” spouse, they usually think they should only insure the one earning the income.

    But this is a perilous decision that leaves you exposed to financial vulnerabilities that are hiding in your blind spot.

    In this episode, I’ll shine a light on those dangers, and show you how you can get the coverage you need even if you think it’s currently beyond your ability.

    Listen now!

    Show highlights include:

    “Hiding in plain sight” reason breadwinners miscalculate how much coverage their spouse needs. (1:29) Dark way your emotions betray you in IBC planning. (6:30) Why all the benefits of IBC can’t save you if you refuse to be honest about your insurance needs. (7:55) Strategic way to use term life to cover your spouse if whole life isn’t an option. (9:00) Secret reason the ultra-rich put whole life coverage on their stay-at-home spouse, even though they don’t need the death benefit. (11:52)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

  • You know IBC is flexible enough to utilize for all sorts of financial plans. And if you plan to use your banking system to help you finance things like cars or college you might be wondering: “Should I have different policies for different uses, or is it fine to do everything I want from one policy?”

    It’s a great question, and in this episode, you’ll hear why the answer largely depends on where you are in your IBC journey, and what you want to accomplish.

    I’ll also explain when one Whole Life policy is enough, and when you should have several.

    Listen now!

    Show highlights include:

    Why it’s better to start IBC as high as your budget will allow instead of starting lower and increasing later. (1:18) Dangerous thing some Whole Life companies allow that could destroy your IBC system. Especially if you don’t read your mail every day. (2:20) “Irreplaceable” asset you lose forever by starting small to test out IBC. (4:50) Surprising ways to make arrangements for yourself and your family, even if you can’t afford a plan for every family member right now. (6:50) What Infinite Banking can do for your young scholar that a college savings plan can’t. (9:12) How multiple policies can save you from accounting nightmares, especially if you don’t like keeping close track of everything yourself. (10:35)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

  • You’ve heard about the flexibility Infinite Banking provides, but you might be wondering: Can I pull income from my IBC plan in my retirement?

    The short answer is a resounding “Yes!”

    But there are a few things you’ve got to keep in mind before you rush to take out funds.

    That’s why in this episode I’ll explain how it works, and what to watch out for so you don’t make a very expensive mistake.

    Listen now!

    Show highlights include:

    What’s the difference between building a policy in a more traditional way vs. building for IBC. (2:00) Will Dave Ramsey ever like Whole Life insurance? Why Valerie thinks he’d never admit it, even if he secretly changed his mind. (6:00) “Should I go for a low base premium?” Why this trend is a choice you’ll regret. (8:06) How to balance your policy so you aren’t low on cash when you need it the most. (9:51) A whole life contract you don’t have to pay premiums on for your whole life? It’s possible! Details here. (10:32) Why the strategy for repaying loans to yourself changes once you hit retirement. (11:32) Two lurking dangers waiting to ruin you if you don’t structure how you borrow against your policy. (12:20) What a policy lapse is, and why it’s especially bad if you’re in retirement age. (15:04) 10 years away from retirement. Is it too late to prepare? Valerie’s answer. (15:42)

    Reach out to me:
    [email protected]
    https://www.linkedin.com/in/valerie-laroque-lacp-b569509
    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • With traditional methods, you can do one of two things with your money: Spend it, or save it.

    If you spend it, that money’s gone and can’t be used for anything else. And since you’ve spent it, it can’t appreciate for you: meaning you miss out on more than just the face value you spent.

    That’s why it’s important to think about opportunity cost: the dollars you really miss out on when you have to spend your resources instead of saving or investing them.

    In this episode I’ll explain exactly what I mean by this. I’ll also share how IBC can safeguard you from squandering a fortune in opportunity costs.

    Listen now!

    Show highlights include:

    How IBC lets you “have your cake and eat it too” with your money. (2:57) What is “opportunity cost” anyway? Crystal clear definition to eliminate confusion. (3:03) Sneaky way car payments keep you broke, even if they’re well within your budget. (3:52) How to spend today without compromising your savings for tomorrow. (8:17)

    Reach out to me:
    [email protected]
    https://www.linkedin.com/in/valerie-laroque-lacp-b569509
    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • By now you know your most valuable asset is your ability to earn an income. And you realize you can use disability insurance to protect yourself against absolute financial disaster.

    But you might still be thinking that common thought: “Other people get hurt, sick, or disabled, but that’s not going to happen to me.”

    In this episode I’m sharing real life examples so you can see that real, ordinary people do end up needing this coverage. And why even though there are limits, disability coverage provides a whole lot better than nothing in the event you do need those benefits.

    Listen now!

    Show highlights include:

    Jarring reminder of how quickly your world can unravel from disability. IF you aren’t prepared. (1:38) What a fancy yacht can teach you about disability insurance. (3:09) How to navigate a gap in your company’s coverage so you aren’t caught unguarded if you get sick or injured. (5:10) How an individual plan can keep COBRA from squeezing your savings. (6:22) Surprising real life disability claims prove unexpected things happen even if your job isn’t dangerous. (8:23) Didn’t know it covered that? Arthritis, asthma, and other common ailments that can be covered by disability insurance. (10:12) They didn’t think they needed coverage. Heartbreaking account of “I don’t need it” turning into “I wish I had it.” (10:58) Why you could still qualify for disability payments even if you’re able to work a different job. (12:10)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509

    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • Your most valuable asset is your ability to earn an income. But the majority of Americans do little to protect it.

    This is alarming because nearly ⅓ will suffer a disability sometime in their career that forces them out of work for at least three months. And it’s not just people with tough jobs like building bridges or mining coal.

    If you’re one of those under-prepared Americans, don’t panic just yet…

    Because in this episode I’ll explain how you can protect yourself against a disability that would obliterate your finances.

    Listen now!

    Show highlights include:

    Four dangerous myths that stop people from buying critical coverage. (1:43) The surprising survey that says half of working Americans are just a few weeks away from financial ruin. (2:24) Why you don’t have to work in a dangerous industry to be at risk of disability. (3:17) Long term disability coverage won’t cover something you already have? Here’s why to get the coverage anyway. (4:19) How a comfortable desk job makes you a prime candidate for long term disability coverage. (5:00) Think Uncle Sam will take care of you if you’re disabled? (5:27) Why trusting your company’s disability plan could let you down when you need it most. And complicate your taxes! (7:31) Questions to ask Human Resources to know for sure your company’s disability coverage is right. (7:52) When short term disability coverage actually lasts long enough. (9:20)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509

    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • You’ve heard the conventional wisdom: “Save 10% for your future self.” But different experts say different things…10%, 20%...who’s right? And what if your expenses are so high you think you can’t save anything?

    This is the episode for you if you’ve been wondering about how much to save toward retirement. I’ll explain why there isn’t a “cookie cutter” answer, and what to consider as you make your own decision.

    I’ll also share surprising pitfalls you need to watch out for so your assets don’t get plundered.

    Listen now!

    Show highlights include:

    Why it’s impossible to put a percentage on how much you should save for the future. (1:25) Overlooked expenses that leave retirees struggling to keep their house–even though it’s paid off. (2:09) Tax man’s 1-2 punch waiting for you in retirement. Know now so you won’t get sucker punched! (3:34) Heartbreaking way assisted living needs can expose your assets like a carcass in the desert…and the vultures waiting to pick it clean. (5:30) How to use IBC to protect yourself in your retirement years. (9:30)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509

    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • You like the idea of IBC, but you’re wondering if you really have the money it takes to get started.

    You’re not alone! It’s normal for clients to wonder if they can really afford this, and how much they need to get started. That’s why in today’s episode I’m going to help you understand why I advise the funding levels that I do.

    I’ll also explain why your exact number won’t be the same as somebody else’s, and why that’s a good thing!

    Listen now!

    Show highlights include:

    Counterintuitive reason you should always aim for the high end of your budget range. (1:14) The one question you need to ask to know the right level for you. (1:25) What IBC rookies misunderstand about borrowing and the death benefit. (2:11) What a coffee stand can teach you about IBC. (3:25) Tight budget? Try looking in these places to find the funds you need for your premium. (7:19) Unexpected (and costly) headaches if you try to go UP in premium after you’ve started your policy. (9:11) How to use term life insurance to maximize IBC…and you won’t need any extra underwriting! (10:43)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509

    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • One of the things we love about IBC is that you can set up a system to BYOB–”Be Your Own Banker” and essentially borrow money “from yourself”…at far lower rates than conventional banks offer.

    And while repaying these loans comes with LOTS of flexibility, for best results you do want to get them repaid.

    That’s why today I’m talking about ways to do that without burdening yourself with payments, and without giving yourself an accounting nightmare.

    I’ll also share an additional option that lets you leverage your existing bank account to repay your loans in a timely and effective way.

    Listen now!

    Show highlights include:

    Amazing flexibility that comes with borrowing from yourself. Especially great if most of your bills all come due at the same time each month (2:30) The one new bank account you may want to acquire for clearer accounting. (3:10) Questions you need to answer when determining how to pay yourself back. (3:45) It’s possible, at this time, to acquire a whole life policy that only charges you 4% interest on loans. Here’s why you should pay yourself back at a higher rate. (4:33) Paid back your loan? Your options for what to do next, explained. (5:45) How to leverage your bank’s “bill pay” feature to put IBC’s loan repayments on autopilot. (6:47) Important thing to keep in mind regarding your bank’s bill pay option. (9:20) “Exacting” way a good agent can help you optimize your loan repayment plan. (10:15) The two big “No Nos” of borrowing from yourself. (13:02)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509

    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • Every now and then I’m asked if churches can use Infinite Banking. And I wish more churches would ask, because the answer is “Yes!”

    If you’re in church leadership, or just a member of a congregation you care about, then this episode is for you. I’ll explain why IBC is a great option for churches who want to use their financial blessings wisely. And I’ll tell you why IBC makes more sense than a savings account or CD with the bank.

    Listen now!

    Show highlights include:

    Why Uncle Sam lets policies built for churches be even better than policies for individuals. (1:10) Bank products have their highest interest in years. But here’s why churches should choose IBC instead of getting swept away by the current rates. (2:47) Risky thing, I don’t believe churches should do with their money. (4:20) Who should the church insure? Surprising reason staff members aren't always the best option. And where they could look instead. (4:45) How churches leverage IBC to keep their preacher from being dependent on social security after a lifetime of faithful service. (6:50)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509

    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • You owe the US Government $519,000.

    What? How?

    Well, as a nation, we owe over $31 trillion owed in funded liabilities (debt.) And we also owe over $173 trillion in unfunded liabilities (even more debt.)

    Worst part?

    According to David Walker, ex-CPA of the USA, your future tax rate will need to double — or else the nation will declare bankruptcy.

    Imagine paying double the taxes you already pay. With taxes projected to double, trying to build a nest egg will be impossible. Imagine what your retirement would look like if the government legally takes nearly half of your salary (or your retirement income).

    In today's episode, I reveal two ways to build tax free wealth.

    Listen now!

    Show Highlights Include:

    Excited to get a lower tax rate when you retire? Here’s why you could be stuck paying a tax rate of 74% at 80 (5:21) How to avoid an insidious “tax” that penalizes you 50% for saving money in your nest egg (9:00) 2 tax-free savings vehicles you can access in retirement (10:18) Is your income too high for a Roth IRA? If so, check out “CVLI” as an alternative (and pay no taxes on your savings) (10:32)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509

    Infinite Banking Mastery (infinitebankingnorthwest.com)

  • It’s great to have a whole life insurance policy for each member of your family. But what do you do when your budget simply won’t allow it?

    In this episode we’re talking about how to do the best you can with the resources you have so you can provide for your children.

    You’ll learn what a Child Rider is and why it’s a great option for most people who have financial constraints.

    I’ll also share why the first month after your child turns 25 is a golden opportunity that can help them for the rest of their lives.

    Listen now!

    Show highlights include:

    Why having a favorite child can get you in hot water with life insurance underwriters. (1:06) How to affordably cover all your children, even if you have enough for a basketball starting lineup. (2:49) “Know before you go.” Avoid surprises in underwriting by knowing these extra steps needed to add a child rider. (8:35) Can’t insure everybody? Why covering yourself first is the best move for your family’s legacy. (10:53)

    Reach out to me:

    [email protected]

    https://www.linkedin.com/in/valerie-laroque-lacp-b569509

    Infinite Banking Mastery (infinitebankingnorthwest.com)