If you’ve been curious about Infinite Banking—or maybe you’ve heard terms like “becoming your own banker” but still feel unsure about where to start—this post is for you. Before you look at numbers, illustrations, or policy mechanics, you need to understand what Infinite Banking is really about. At its core, it’s about one thing: learning how to control the banking function in your life.
This simple shift in perspective is what sets wealth creators apart from everyone else.
Step One: Identify the Real Problem
When people first explore Infinite Banking, they often focus on the how—how the policy works, how much to fund it, how the loan feature operates. But without first asking why, they miss the most important part.
The foundational problem we’re solving is this: most people don’t control the banking function in their own lives.
Every time money flows through your hands—paychecks, expenses, savings, financing—someone is acting as the bank. The question is: why isn’t that bank you?
How Traditional Banking Keeps You on the Outside
Let’s break it down with a real-world example. Say you save $50,000 in cash and use it to buy a car. That money goes to the dealership, which deposits it in a traditional bank. Then the dealership turns around and borrows money—from that same bank—to restock inventory.
The bank profits both from the saver and the borrower. That’s the game. And if you’re not the one controlling that function, you’re the one being played.
You might think paying cash puts you ahead—but whether you’re a saver or borrower, the bank still wins.
Why You Should Control the Banking Function
Here’s the mindset shift: instead of handing your money to a bank, why not build your own banking system?
That’s what Infinite Banking allows you to do. By redirecting your savings into a properly designed whole life policy with a mutual insurance company, you begin to control the banking function. You still have access to your capital—through policy loans—but now your money continues to grow even while you use it.
You’re no longer financing your life through someone else’s system. You’re creating your own.
The Real Issue: Lack of Control Over Capital
The real financial problem isn’t just not saving enough—it’s not having capital in a place you control.
People assume they need a fortune to start Infinite Banking. In reality, they just need discipline, time, and a willingness to think differently. Infinite Banking is about taking consistent action that compounds over time, shifting control back to you.
Instead of being dependent on banks to finance cars, real estate, or your business, why not create a system where that capital flows through your hands first?
Borrower, Saver… or Wealth Creator?
Most people are either:
- Borrowers, who spend money before they have it and pay it back later, or
- Savers, who delay purchases and then drain their accounts to pay in full.
Both paths eventually lead back to zero.
But wealth creators do something different. They build a system where they finance purchases and grow wealth at the same time. They control the banking function, keeping the interest, the profits, and the flexibility all within their personal economy.
Becoming the Bank: It’s Simpler Than You Think
The real power of Infinite Banking is becoming both the borrower and the lender. You’re financing purchases, investing, and making moves—but on your own terms. And your capital keeps compounding in the background the whole time.
You don’t need permission. You don’t need credit checks. You just need a system—and the commitment to fund it over time.
Build a Legacy Through Financial Control
When you control the banking function, you’re not just building wealth—you’re creating a legacy.
This is about more than just money. It’s about showing your family a different way to think, save, and grow. A way that doesn’t rely on external banks and their rules. A way that’s sustainable and generational.
Imagine a future where your kids and grandkids never need to walk into a bank for a loan. That’s the kind of financial environment you can create—starting today.
Awareness Is the First Step
Before you can make a change, you have to see the problem clearly. And the problem is that you don’t yet control the banking function in your life. But the solution is within reach: build a system that puts you in control.
At Sage Wealth Strategy, we guide you through the process—from your first policy to long-term strategy—so you’re not just buying a product, you’re building a system.
Let’s Take Back Control
If this resonates with you, if you’re ready to stop giving away control and start building something that benefits you and your family, let’s talk.
Control the banking function—and everything changes.