Much about what you’ve been told about money, banking and finance is wrong and is the reason why you are not getting ahead faster financially.

Whenever you buy something did you know that you are doing all the work and everyone else is getting all your money?

The good news is that it doesn’t have to be that way.

Everyone needs and wants things that money buys. In todays society, to facilitate savings, buy consumables and assets, a bank account is needed.

We have been taught from an early age we need to save for what we want. When we have saved enough for what we want we then withdraw and spend it to pay for what we want. 

We have also been brainwashed by marketers that we deserve to have what we want before we save what we need to pay for it.  Enter loans. 

Despite what we have been told, neither are wise strategies.

Let me explain using the terms good, better and best.

“Good” and “better” come at a cost – cost to borrow and cost to withdraw savings.

We are happy to say there IS a way to recapture loan interest, fees and opportunity cost lost that goes to banks and financial companies and keep the financial energy with you and your family.


The “good” option is not really good. We labeled it good because if you don’t have the money you need it is a good option. It’s problems are you have to repay the loan and borrow again for your next purchase. And the interest is not paid to you.

Further, anyone applying for a loan or mortgage will know how much more invasive it now is to get a loan, especially during Covid, and why it is imperative you do this to eliminate the banks to gain control, so when you need money you can access it on your own terms with no qualification.


A “better“ option is to save in advance.  It is better but is still not the best since you lose all the growth you would have earned if you did not touch it and must save again for your next purchase.


The third option, is a hybrid of “good” and “better”.  You accumulate working capital in an account you can borrow from without invasive credit qualification process. While you have your money deployed into another opportunity, your working capital continues to grow.

This option is not offered to you by your bank or credit union. By not offering it to you they benefit significantly at your expense when you borrow money from them. You see, the interest you pay for you mortgages and loans, they receive, not you. How much more wealthy would you be if the interest you pay and have paid to date went into your bank account?  It doesn’t have to be this way! 

So what financial product, that the wealthy use, is this? Its dividend-paying whole life insurance.   

Many would think “better” is favored over “BEST”, but no. You see assets, control and compounding are king!  And the more assets you compound and control, the more power you have – the more you pass along to your family with the result the more power they will have.

Families who fail to place an importance on creating and transferring wealth to future generations fall behind (lose power, status and control).  The wealthy place an importance of transferring wealth and when they do they get wealthier.

Compound Interest

The best way to grow assets is with compound interest – and the only way compound interest works is when you don’t disturb their growth.  This is why its best borrow from yourself.

Those who accumulate and continually compound more assets have more power and control. More assets reduces or eliminates the need to use the bank.

As mentioned, the “BEST” option blends aspects of the “good” and “better” options. It utilizes the saving from the “better” option and the borrow from the “good” option with key differences – you are not interrupting compounding and you are receiving loan interest, not the bank.

Borrowing allows your savings to continue to grow without interruption – and because your asset is growing at virtually the same rate as the loan interest its like using your money at no cost to you – you’re eliminating the loan and building an asset at the same time!

Hybrid All-In-One Account

The “BEST” is a hybrid financial all-in-one account. While it was never intended to be an investment it just so happens it’s design allows its returns to be better than a savings account and as good as the stock market without the risk of an economic tsunami.

This account is not exciting. But neither is putting your money in a bank account.

For those looking for something exciting, it is not. Nor should it be.  This is not a follow-the-crowd strategy. Those who follow-the-crowd usually get lost in it. It’s time to stop doing the same thing and expecting different results! Doing so means freedom from the banks by taking back control! It means bragging to your friends of the additional wealth you will have through recapturing interest and fees from the bank!

Whole Life was designed to be life insurance, not an investment.  But just like medication designed to be an effective treatment for X, it was discovered to be an effective treatment for Y. 

Below is a chart of the actual results of its dividend performance ending Dec. 31, 2021. 

What Will Your Legacy Be?

Most of us want our families to have more than we did. Most have more than our parents had. Yet, some are concerned that leaving more to the next generation is a bad thing, that it will spoil them and hurt their work ethic.

Others will say I didn’t inherit much wealth or any at all from their parents, that they worked hard for everything they got. In the old economy working hard translated into more wealth. Today’s economy is different than the one we and our parents grew up in. Working harder today is no guarantee of more wealth.

It has never been so expensive to buy a house today. How would your views change if the goal was to pay it forward by increasing your generational wealth? This option does this!

This BEST account has a side benefit. It creates enhanced generational wealth which creates a larger legacy. It is exempt from probate fees and 6-month-plus distribution delays, and is private (not of public record).

Its an account your parents, grandparent and great grandparents used successfully for almost 200 years.

Want proof this works?

One client, has, as of the date of this article, amassed over $1,700,000 in cash and over $3,100,000 in tax-free legacy in addition to his other investments. Imagine how pleased they were when they learned their growth was similar to the stock market without it’s roller-coaster ride!

This will allow you to become more financially wealthy, providing you the resources to do things you never thought you would be able to do.

This is ideal for your grandchildren and great-grandchildren!  It will give them a huge head start, and advantage that many do not get!

Now, make the decision to step out of the rat race!  This is the “Something Different” you’ve been looking for!  

“Great ideas, not acted on, will change nothing.”

Now is the time!  Let’s chat!  Book a time here.


Updated May 26, 2022

A Better Bank

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