@jakeclaverqfop: Infinite banking means using an insurance policy as your own bank. Assets grow inside the policy, you borrow against the cash value, and you never have to repay the loan if you choose not to. Interest accrues while the policy appreciates, and the death benefit settles the balance. What remains goes to your beneficiaries or a trust. Many wealthy families lean on insurance over 401ks and IRAs for this reason.