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Build Your Knowledge. Break Down the Walls
The Generational Growth Knowledge Hub is your gateway to mastering Infinite Banking and private wealth systems. Inside, you’ll find notes, case studies, and strategy breakdowns that turn complex financial concepts into actionable steps.
Free Training Resources
Here you’ll find the core tools and guides to strengthen your financial foundation. From glossaries and common sayings to book notes, calculators, and short trainings—this page is built to help you understand infinite banking and apply it step by step. Every resource is created or curated by Generational Growth to keep you focused, clear, and in control.
Key Videos
Short, clear lessons designed to cut through noise and show you how infinite banking really works. These clips break down complex ideas into simple steps you can apply right away, from understanding cash value and policy loans to seeing how the system funds real estate and long-term wealth. Each video is built to sharpen your confidence and give you more control over your financial future.
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Policies for Properties
At Generational Growth, we pair optimally designed and funded whole life policies with real estate to create a powerful cycle of leverage and control. Clients use their policies to fund income-producing assets, like turnkey rentals and land on terms, while their money continues compounding inside the policy. Through our network, we connect you with trusted partners and proven systems to make this strategy simple, scalable, and aligned with your mission.
Build Wealth Backwards
At Generational Growth, we start with the end in mind. Every plan begins by aligning your mission, values, and financial goals so your wealth supports the life you’re building. When purpose drives the plan, every dollar moves with direction, creating sustainable growth and true freedom through alignment.
The Most Profitable Business
Banking is the most profitable business in the world, yet most people only play the customer’s role. Banks make money by controlling the flow of capital, using your deposits to fund loans and collect interest on the same dollars multiple times. At Generational Growth, we teach you how to participate in that system—by becoming your own source of financing and keeping the profits that usually go to the bank.
Glossary
Quick definitions to cut through the jargon and keep you sharp
Accelerated Death Benefit (ADB) Rider
Lets you tap into the death benefit early if you’re diagnosed with a terminal illness. This prevents families from having to sell assets or drain savings in crisis. At GG, this aligns with our mission: the system protects you in both expected and unexpected seasons of life.
Banking Function
The constant flow of money in and out of your life—car payments, mortgages, taxes, vacations, investments. You’re already banking; the question is who controls the bank? GG exists to show you how to redirect that function into your own system.
Base Premium
The foundation of a whole life policy. Think of it as the “rent” you pay to keep the policy alive. At GG, we design this as lean as possible while still keeping the policy strong.
Cash Value
The living, breathing liquidity inside your policy. This is the pool we use for loans, leverage, and building assets outside Wall Street.
Child / Family Rider
Lets you add small coverage on children or a spouse, which can later be converted into their own whole life policies. It’s a way to start building a multigenerational banking system with very little cost up front. GG uses this when clients want to “plant the seeds” of family banks early.
Chronic & Critical Illness Combo Riders
Some companies bundle chronic, critical, and terminal illness riders together. They essentially turn part of your death benefit into living benefits for health events like heart attack, cancer, or stroke. GG sees this as a way to make infinite banking not just a wealth strategy, but a holistic safety net.
Chronic Illness Rider
A living benefit that allows you to access a portion of your death benefit if you’re diagnosed with a qualifying chronic illness. Instead of being locked up until you pass, your policy can provide cash during a major life challenge. At GG, we see this as part of making your vault not just a wealth tool, but a resilience tool.
Convertible Term Rider
A temporary layer of extra death benefit that you can later convert into whole life. This rider creates more “room” for PUAs in the early years and sets you up for future policies. GG often uses this to ladder into larger family banking systems. When we convert term we DO NOT have to redo medical examination; this is huge for locking in insurability and reducing system risk.
Death Benefit
The long-game legacy. While we focus on cash flow and leverage, remember: your family, foundation, or mission will receive a guaranteed payout in the end.
Direct vs. Non-Direct Recognition
Two ways insurance companies credit dividends.
Direct recognition: dividends adjust if you have a loan. Non-direct recognition: dividends stay the same whether or not you borrow. At GG, we prefer non-direct recognition for clients focused on heavy leverage strategies (like real estate).
Dividend
Your share of the insurance company’s profits, credited to your policy each year. Dividends aren’t guaranteed but many mutual companies have paid them every year for 100+ years, through wars and recessions. At GG, dividends are a quiet powerhouse—small in the short term, unstoppable in the long term. Dividends are actually a return on premium, but we call them dividends in the WL space.
Guaranteed Insurability Rider (GIR)
Gives you the right to purchase additional coverage later without another medical exam. This is valuable for young clients who want the option to expand policies as income grows. GG adds this for builders who know they’ll scale up their system over time.
Infinite Banking
The strategy of becoming your own banker—redirecting dollars through your own system to escape the rigged one. The foundation of everything we train at GG.
Loan Interest
The rate you pay when borrowing against your policy. Unlike a bank loan, this interest doesn’t destroy your compounding. At GG, we train clients to treat loan interest as the cost of accessing liquidity, while recognizing that the opportunity created by leverage outweighs the cost.
MEC (Modified Endowment Contract)
Cross this line and the IRS treats your policy like an investment, not insurance. GG training shows you how to get close to the MEC line—without crossing it—to keep your policy efficient and tax-favored.
Non-Direct Recognition
Your policy still earns full dividends even while a loan is outstanding. A key design feature in GG policies that keeps your money working on both sides.
Overloan Protection Rider (OLP)
A safeguard that prevents your policy from lapsing if you’ve borrowed heavily. Without it, taking too much loan in retirement could cause a tax problem. GG designs policies with this rider when clients plan to use maximum leverage later in life.
PUA (Paid-Up Additions)
The fuel that builds cash value fast. Adding PUAs is how we accelerate your vault’s growth and maximize control of your money.
Paid-Up Additions Rider (PUAR)
The most important rider in infinite banking. This rider allows you to pour in extra premium beyond your base and immediately boost cash value and death benefit. Without PUAR, your policy would crawl; with it, your vault compounds with speed and flexibility.
Policy Loan
Borrowing against your policy while it keeps compounding in the background. At GG, this is the engine that funds real estate, business plays, and long-term growth.
Premium Flexibility
The ability to adjust how much you contribute beyond your base premium. Flexibility comes from PUAs and riders that allow you to scale contributions up or down. At GG, this ensures your policy can adapt to life changes without breaking the system.
Term Rider / Convertible Term
Adds temporary, low-cost death benefit to your policy. This does two things: (1) increases your insurable pool, and (2) creates “room” for more PUAs. Later, you can convert this term into permanent whole life without another medical exam. At GG, we use this to ladder into bigger family systems over time.
UL (Universal Life Insurance)
A flexible type of permanent life insurance introduced in the late 1970s, tied to the era of high interest rates and Wall Street growth. UL allows you to adjust premiums and death benefit, but cash value growth depends on current interest rates set by the insurer.
VL (Variable Life Insurance)
A form of permanent life insurance where cash value is invested in sub-accounts similar to mutual funds. Policy growth is tied to market performance, which means gains aren’t guaranteed and losses can shrink your cash value.
Waiver of Premium Rider (WOP)
If you become disabled and can’t work, this rider ensures your base premium is still paid. That means your cash value keeps growing, dividends keep flowing, and your family bank stays on track. GG recommends this for disciplined builders who want insurance for their insurance.
Common Sayings
The phrases and euphemisms that shape infinite banking culture
“Don’t do business with banks—be the bank.” → Banks profit because they hold your money and lend it back to you. With infinite banking, you flip the script—you capitalize your own vault and profit from your own system.
“Don’t interrupt compounding.” → Pulling money out halts growth. Loans let you use your dollars without breaking their compounding. This is the golden rule of vault management.
“Don’t steal the peas.” → If you consume without replenishing, you weaken your system. Always repay loans to respect your vault and keep the harvest coming.
“Infinite means forever.” → This isn’t a short-term hack—it’s a lifelong discipline. Premiums, compounding, and banking control continue as long as you live.
“It’s not about rates, it’s about control.” → Chasing interest rates misses the point. Infinite banking is about controlling capital, not comparing APRs.
“Own the banking function.” → Money flows through your life daily. If you don’t own the bank, someone else does. Take control of the flow.
“Pay premiums for life.” → Premiums aren’t expenses—they’re deposits into your family bank. Keep fueling the system, and it will keep fueling you.
“Premium is an asset, not an expense.” → Premiums create cash value and death benefit. They’re investments into your vault, not money lost.
“Play infinite, not finite.” → Don’t think in terms of short games like “retire by 65.” Infinite banking compounds beyond your lifetime—this is about generational wealth.
“The policy is the platform.” → The goal isn’t just having insurance—it’s building a launchpad. Your policy is the foundation for real estate, business, and investments.
“Think long-range.” → Real wealth requires vision across decades, not just short-term convenience. Patience is power in infinite banking.
"To know infinite banking is to know how banking works"; it’s the most profitable business in the world; if you could, you would participate.
“Use it or lose it.” → Idle money shrinks to inflation. Keep your dollars moving through your vault and into assets.
“You finance everything you buy.” → Pay cash and you lose interest you could’ve earned, borrow and you pay interest to someone else. Infinite banking lets you capture that financing function.
Core Tools
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Real Stories & Insights
Case Studies
See infinite banking and real estate in action. Our case studies break down real scenarios step by step, showing how disciplined builders use these strategies to grow, protect, and multiply their wealth.
Blog
Stay sharp with new insights, vault updates, and strategy breakdowns. The blog delivers practical lessons, financial clarity, and GG’s perspective straight to your screen.
Timeline
Walls Around Your Wealth: The Timeline of Financial Control
The financial system didn’t change overnight—it was captured step by step. This timeline shows how wages, savings, retirement, and even banking itself were taken out of your hands, and what that means for you today.
Some may interpret this history as evidence of a deliberate government attack on personal wealth. My perspective is simpler: history shows that bad things happen, and opportunistic people often capitalize on those events. Whether intentional or not is for the reader to decide. What matters is this—depending on the government to protect your financial freedom is a losing strategy. Real change starts bottom-up. We have to take personal responsibility, understand the systems around us, and refine our own financial lives so we’re no longer trapped by them.
Key Financial Events
Chapter 1: The Capture of Wages (1913–1944)
1913 Federal Reserve created
Created debt fueled machine that gradually decreased the financial power of average Americans
1913 Income Tax integrated via the 16th Amendment; capturing more of Americans' wages
WW1 all countries used the gold standard; one could turn in gold for money
1929 Stock Market Crash / Great Depression
Contributing factors include the Federal Reserve bailing out the Bank of England from war debts
1933 FDR enacted "emergency action", executive order 6102; all Americans were forced to turn over their gold; faced prison or fees if they did not
Order executed to help with outfall of great depression
1935-1937
Planning and execution of Social Security; further capturing American wages
Chapter 2: The Capture of Retirements (1944–1971)
1944 Bretton Wood Agreement
After WW2, everyone shifted to the American dollar backed system; a Country could still turn in $35 for an oz of gold
Only the central bank could turn gold in for money; the people could no longer do so
The ability to turn some money in for gold would keep the US in check; if US printed too much money and got too inflationary, people would sell for gold and it would stabilize
WW2 Finances
During World War II, the US government gained extraordinary control over the financial system. Wage and price controls meant employers couldn’t freely raise salaries, so companies began offering pensions as a substitute benefit to attract workers.
After the war, this pension model expanded, and by the 1950s–60s, pensions were the dominant form of retirement savings.
1965 Medicare & Medicaid launch
Capturing more of Americans funds to leverage
Chapter 3: The Plunder Continues with Savings (1971–)
In 1971, Nixon cut the gold standard; no one could turn in dollars for gold
This was fueled by the deficit from the Vietnam war and the social welfare programs
This triggered an inflation spiral; we could print with no limit; no one was going to control inflation via turning in dollars for gold
1978 Creation of mutual fund infused retirement accounts (401k in 1978; IRA 1974)
Corporations found pensions costly and risky. Enter government-approved retirement accounts (IRAs in 1974, 401(k)s in 1978), which shifted responsibility from employers to individuals—while still keeping retirement dollars locked inside Wall Street’s system
People were nudged to put their retirement/savings accounts in Wall Street by the creation of IRAs & other retirement accounts; Wall Street leverages these funds out and if the investment fails, they are bailed out by the Federal Reserve (eventually paid by via the taxpayer)
1979 FTC & organizations deliberately slang mud at whole life insurance saying it’s a bad asset & tool to shift Americans allocations to Wall Street; added fuel on the fire for the hatred of the concept
UL came in as ties to the stock market were booming; UL was predatorily marketed leading many to lose money. The infinite banking leverage concept is supposed to have a solid, secure foundation for leverage, NOT the stock market as UL, VL, and VUL build upon.
After 1971, life insurance was seen as less stable since it was paper-money backed; wisdom shifted to "put your savings on wall street"
1950, 19% of individual savings was in life insurance, then in 1985 it drooped to 2%, while stocks was 13% in 1985
Government causes a problem, says they have the solution to the problem which ends up capturing your wealth
1986 Tax Reform
New codes made to taxes; cut rates drastically; went from 15 tax brackets to 2 tax brackets
Limited deductions on real estate & many other inflation shelters -> also, you couldn’t reduce active income with your passive real estate losses! (only real estate agents can do this now)
1987 Black Monday happens; due to rolling deficits from War & social programs, tax code 1986 reform, and more; 1986 reform lead to real estate becoming less valuable
Triggered move for the rich to go back to whole life insurance for something stable & guaranteed
1980s recession triggered due to the removal off the gold standard
1988 TAMRA ACT Government enforces more strict regulation around life insurance as people we abusing the system; enforced the MEC standards; reduced the tax advantages of whole life policies
Once policy is a MEC, you can't undo it -> essentially limits how much money people could put into whole life polices
7 pay test: enforced policies not to be paid up in less than 7 years
1999 Gramm-Leach-Bliley decision
Ends Glass-Steagall Act of 1933 (separated commercial banks from investment banks), unleashing megabanks and setting stage for 2008 financial meltdown
Key Takeaways
1913 → Wages Captured
The creation of the Federal Reserve and the income tax gave government and bankers a permanent claim on Americans paycheck. From day one, your earnings were no longer fully your own.
1940s → Retirement Capture Foundation Laid
Social Security, wartime finance, and eventually Medicare & Medicaid redirected future savings into government hands. Promises of “security” masked the fact that your retirement was no longer self-directed.
1970s–1980s → Savings & Retirement Captured
The end of the gold standard and coordinated attacks on whole life insurance shifted Americans into Wall Street products. Mutual funds, 401(k)s, and IRAs became the “only” socially acceptable way to save—putting your future at risk in paper markets you don’t control.
Post-1980s → Banking Overreach
Deregulation, rolling deficits, and the rise of megabanks forced Americans further from guarantees and deeper into financial products that benefit Wall Street first. The banking function itself was taken from individuals and centralized into an unstable, debt-driven system.
History shows the system was designed to capture your wages, retirement, and banking function. At Generational Growth, we train you to escape that capture and reclaim control
What To Do About It
Take ownership. Stop waiting on the government or Wall Street to fix things—they built the walls in the first place.
Learn the system. Understand how money flows, how policies work, and where the traps are. Knowledge turns frustration into strategy.
Build your vault. Redirect dollars into a system you control—whole life designed for infinite banking. It’s your foundation of guarantees.
Leverage, don’t gamble. Use your vault to fund real assets—real estate, business, and opportunities you can touch. Skip the paper casino.
Think generational. This isn’t about short-term hacks. It’s about building a financial system that outlives you and strengthens your family.
Curated Podcasts and Talks
Podcasts and channels we follow closely. Each one adds perspective on infinite banking, wealth strategy, and financial freedom. We’ve included the Generational Growth takeaways so you know what to look for, and how it ties back to your own system.
Wealth Warehouse
Clear, no-nonsense discussions on infinite banking from two seasoned policy designers. Their best episodes break down why you pay premiums for life, how to structure family banking systems, and the importance of thinking long-range.
GG Takeaway: Reinforces discipline. Infinite banking isn’t a trick—it’s a lifestyle that requires consistency across decades.
Life180
Direct, tactical content on policy design, riders, and avoiding common mistakes. Life180 is especially strong on the math side—max cash value design, PUA riders, and showing the difference between properly vs. poorly built policies.
GG Takeaway: Whole life isn’t one-size-fits-all. Policy structure is everything, and GG policies are built with the same “max efficiency” mindset.
BetterWealth
Focuses on education and client stories. BetterWealth is strong at simplifying infinite banking concepts for people brand-new to the idea. They also offer critiques of common financial advice, helping expose Wall Street traps.
GG Takeaway: Simple doesn’t mean shallow. GG uses the same clarity to break down complex strategies, making them accessible without dumbing them down.
Passive Income Machine
Practical integration of infinite banking with turnkey real estate. Ryan shows how to pair policies with assets that cash flow, and how to use policy loans as down payments.
GG Takeaway: Infinite banking works best when paired with real assets. GG applies the same principle: your vault is the foundation, but assets are the accelerators.
Resource Recap
Start by learning the language, then build your foundation with book notes and guides. See infinite banking in action through videos and examples, and finally apply the tools with calculators and templates. Each piece is designed to stack—giving you the clarity, confidence, and control to build your own system step by step.
Learn the Language
Glossary
Build the Foundation
Book notes, guides
See it in Action
Videos & examples
Apply the Tools
Calculators & templates
Explore All Resources in One Place
Want the full map? Visit our Links Page to find every GG training, tool, and connection point in one spot. Simple, organized, and built for disciplined wealth builders.
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