298. How to Become Your Own Bank: Infinite Banking for Women Entrepreneurs with Erica Neal

What if the key to financial freedom wasn't another retirement account… but a completely different way of thinking about money?

In this episode of The Game On Girlfriend® Podcast, Sarah sits down with finance educator and founder Erica Neal to talk about infinite banking—a strategy that uses custom-designed life insurance policies to help you grow wealth, keep liquidity, and still protect your future.

 

What You'll Learn

Erica shares her unfiltered story: from teen mom to Wall Street to building her own wealth management firm, centered on empowering financial education. The conversation dives into:

• What infinite banking actually is (and the myths that keep people nervous)

• How the wealthy use these policies for funding projects, reinvesting, and creating a legacy

• Why compounding interest and control matter more than flashy returns

• Erica's "buried vs. planted" concept—how to grow through challenging seasons

 

Episode Summary

This isn't your typical financial advice episode. Erica breaks down exactly how infinite banking works with real numbers - you typically get 80% access to your money in year one, dollar-for-dollar by year four, and often more than you put in by year five thanks to compound growth. She tackles the biggest concerns head-on, like why those acquisition costs aren't actually problems, but rather smart, long-term moves. You'll hear how to use policy loans while your money keeps earning, why dividends from mutual insurance companies add extra returns, and how this fits with your other investments instead of replacing them. Erica's journey from Wall Street product-pusher to genuine wealth strategist shows what happens when you put clients first.

 

Related Episodes You Might Love

• Ep 287: The $68 Trillion Wealth Transfer: Why the Future of Money is Feminine https://sarahwalton.com/wealth-transfer-women/

• Ep 230: "You Deserve the Money" with Bookkeeper Ashley Chamberlain https://sarahwalton.com/bookkeeping-for-women/ 

• Ep 197: "Money Beliefs That Hold You Back from Making More" https://sarahwalton.com/money-beliefs/ 

 

Special gift from Erica

• Erica’s Mini-Course: https://qeeg2iohufpl1toyi4os.app.clientclub.net/courses/offers/66984f35-cf26-4d4b-a1ce-e14435af046f 

• Discount Code: GAMEON

 

Connect with Guest Erica Neal

• Website: www.InfinityInvestmentStrategies.com

• IG: https://www.instagram.com/theericaneal/

• LI: https://www.linkedin.com/in/theericaneal/ 

• FB: https://www.facebook.com/TheEricaNeal

• YT: https://www.youtube.com/@theericaneal 

 

About Erica Neal

After earning her bachelor's degree in finance & economics, Erica began her career in finance by working for a large investment firm, learning the basics of running a financial practice but also becoming aware of large holes in the traditional financial planning process. Though she was able to obtain success & company recognition for her achievements, Erica knew there was a better way to build her clients' weal