# E85 - Is Infinite Banking A Scam? The Top 7 Objections

Page: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e85-is-infinite-banking-a-scam-the-top-7-objections
Text version: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e85-is-infinite-banking-a-scam-the-top-7-objections.md
Podcast: [Remnant Finance - Infinite Banking (IBC) and Capital Control](https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217)
Published: 2026-02-06T14:00:00+00:00
Episode link: https://podcasters.spotify.com/pod/show/remnant-finance/episodes/E85---Is-Infinite-Banking-A-Scam--The-Top-7-Objections-e3emsgn
Audio file: https://anchor.fm/s/f80e64e4/podcast/play/115093463/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-1-5%2Fb0e45776-5d47-3e89-0b89-b3091a71ac1c.mp3
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Duration seconds: 3930

## Resource

Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance ) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 ) Twitter: @remnantfinance (https://x.com/remnantfinance ) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE This episode dismantles the top seven objections one by one. We're answering them directly and showing why most criticisms reveal a fundamental misunderstanding of what whole life insurance actually is. If you've ever hesitated to explore IBC because something you read online gave you pause, this is the episode for you. Chapters: 00:00 – Opening segment 07:40 – Objection 1: Whole life is a terrible investment 15:45 – Objection 2: The rate of return is terrible 26:35 – Objection 3: You don't break even for years 34:45 – Objections 4 & 5: Why pay interest to borrow my own money? 45:25 – Objection 6: Agents make huge commissions 57:50 – Objection 7: This only works if you're rich 1:02:05 – Closing segment Key Takeaways: It's not an investment—it's savings. Whole life has no risk of loss, which by definition means it's not an investment. It's a savings vehicle with guarantees, privacy, and a death benefit. Stop comparing it to the S&P 500. Rate of return isn't the only metric. The best-performing asset changes depending on your timeframe. Chasing returns is how people buy high and sell low. Wealthy investors prioritize control, understanding, and risk management before rate of return. Policy loans aren't "borrowing your own money." You're borrowing the in…

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