Most people believe that money problems stem from spending too much or not saving enough. But in this episode, you’ll hear why both mindsets can actually come from scarcity, and why the real shift happens when you start thinking like a steward of money.
Tiffany High sits down with Chris Miles to unpack infinite banking in plain language. This isn’t a pitch for life insurance. Listen as he shares his journey from traditional financial advisor to real estate investor, including the moment he realized the retirement system wasn’t working even for people who followed all the rules.
This is Part 1 of a two-part series that lays the foundation for what infinite banking actually is and why wealthy investors use it differently than most people expect.
You’ll Learn How To:
- Understand what infinite banking actually is
- Use whole life insurance as a liquidity strategy, not just insurance
- Keep your money accessible while it continues to grow
- Think like a steward of money instead of a spender or hoarder
What You’ll Learn in This Episode:
- (02:39) What is infinite banking?
- (03:15) Problem infinite banking solve
- (05:54) Discovering infinite banking for the first time
- (06:27) Why cash value matters more than the death benefit
- (07:00) Whole life vs. universal life
- (07:54) The 2008 crash and losing his first policy
- (09:11) The truth about policy design and commissions
- (11:16) How infinite banking works like a tax-free savings account
- (12:10) Lawsuit and creditor protection explained
- (12:59) How much of your money can you actually access
- (13:51) Borrowing vs. withdrawing
- (15:30) Compounding interest vs. simple interest
- (17:43) A real-world comparison: bank savings vs. infinite banking
- (18:42) Who this strategy is a good fit for
- (20:03) Tiffany’s struggle with leverage vs. peace of mind
- (21:21) Everything is about stewardship
- (23:14) Using debt intentionally
- (26:00) Why IRAs and 401(k)s don’t offer true control
Who This Episode Is For:
- Investors who want more control over their money
- Business owners who are tired of locked-up retirement funds
- People who value liquidity and flexibility
- Anyone who is trying to balance leverage with peace of mind
Why You Should Listen:
This episode challenges the notion that being debt-free automatically equates to freedom. You’ll hear why control, liquidity, and stewardship matter more than simply avoiding debt and why many wealthy investors use infinite banking as a foundation.
Connect with Chris Miles:
- YouTube: https://www.youtube.com/@moneyrippleswithchrismiles
- Instagram: https://www.instagram.com/chriscmiles/
- LinkedIn: https://www.linkedin.com/in/chriscmiles/
Follow Tiffany and Josh here:
- Tiffany Instagram: @tiffanyhighofficial
- Josh Instagram: @joshhighofficial
- Website: https://resultsdrivenrei.com/home/
- Get Tiffany’s free resource: www.rdebook.com
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