# Does This Math Settle The Infinite Banking Debate? | With Chris Naugle

Page: https://stenobird.com/podcast/betterwealth-with-caleb-guilliams-1059823/does-this-math-settle-the-infinite-banking-debate-with-chris-naugle
Text version: https://stenobird.com/podcast/betterwealth-with-caleb-guilliams-1059823/does-this-math-settle-the-infinite-banking-debate-with-chris-naugle.md
Podcast: [BetterWealth with Caleb Guilliams](https://stenobird.com/podcast/betterwealth-with-caleb-guilliams-1059823)
Published: 2026-07-14T10:00:00+00:00
Episode link: https://betterwealth.captivate.fm/episode/does-this-math-settle-the-infinite-banking-debate-with-chris-naugle
Audio file: https://episodes.captivate.fm/episode/71bc1b3f-568a-4bfa-bccc-02fc780dfb3a.mp3
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JSON: https://stenobird.com/v1/public/podcasts/betterwealth-with-caleb-guilliams-1059823/episodes/does-this-math-settle-the-infinite-banking-debate-with-chris-naugle
Duration seconds: 4218

## Resource

Is it actually worth using Infinite Banking to buy a car? Chris Naugle says yes. Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity In this episode, Caleb Guilliams, Chris Naugle, and Craig Yenni break down the math behind financing a vehicle with a traditional auto loan versus using a policy loan from a properly designed whole life insurance policy. Chris and Craig run through their new vault software to compare real-world scenarios, explore policy loans, cash value, paid-up additions (PUAs), opportunity cost, and see which strategy comes out ahead. Watch the Interview on Youtube for Visuals - https://youtu.be/qUBLmHxGexc Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: * **Introduction and Overview:** (0:00 - 4:10) Caleb Guilliams, Chris Naugle, and Craig Yenni introduce the topic of using whole life insurance policies to buy cars, focusing on the debate over whether it makes mathematical sense. * **The Case for Control and Flexibility:** (4:11 - 9:36) Chris Naugle discusses why he prioritizes control and cash flow over low interest rates, framing the car-buying process through the lens of personal banking. * **Mechanics of Policy Loans vs. Traditional Financing:** (9:37 - 16:00) A deep dive into how policy loans function compared to traditional auto loans, highlighting the ability to regain access to capital and maintain liquidity. * **The Math Behind the Strategy:** (16:01 - 28:28) A comparative analysis using a Toyota Grand Highlander as a hypothetical vehicle, examining the numbers of a bank loan at 4% vs. a 6% policy loan. * *…

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