# E87 - How to Become Your Own Banker in 2026 (Full IBC Strategy Session)

Page: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e87-how-to-become-your-own-banker-in-2026-full-ibc-strategy-session
Text version: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e87-how-to-become-your-own-banker-in-2026-full-ibc-strategy-session.md
Podcast: [Remnant Finance - Infinite Banking (IBC) and Capital Control](https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217)
Published: 2026-02-20T16:39:01+00:00
Episode link: https://podcasters.spotify.com/pod/show/remnant-finance/episodes/E87---How-to-Become-Your-Own-Banker-in-2026-Full-IBC-Strategy-Session-e3fcasd
Audio file: https://anchor.fm/s/f80e64e4/podcast/play/115796301/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-1-20%2Fd7b62624-0f15-0288-e559-c6167d9abd47.mp3
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JSON: https://stenobird.com/v1/public/podcasts/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/episodes/e87-how-to-become-your-own-banker-in-2026-full-ibc-strategy-session
Duration seconds: 5937

## 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 In this episode, Joe Withrow sits down with Brian and Hans from Remnant Finance for a live strategy session breaking down the Infinite Banking Concept from the ground up. We get into what a whole life insurance policy actually is (and isn't), why the bank has been profiting off your savings your entire life, how to borrow money against an asset without actually reducing it. If you've been curious about IBC but never had it broken down in plain language, this is the episode to start with. Chapters: 00:00 – Opening segment 03:30 – What is IBC? The protect, save, grow framework 07:35 – Taking over the banking function: why the bank always wins 11:15 – Human life value: your most valuable asset isn't on your balance sheet 17:00 – Generational policies and setting up kids 22:30 – Policy loans explained: borrowing against vs. borrowing from 30:00 – Live illustration: how Hans funded a real estate syndicate 41:00 – The car purchase breakdown: policy loan vs. dealer financing vs. cash 46:00 – Does this work if you don't have dependents? 53:00 – Brian's land story: how access to capital beat four competing offers 1:03:00 – Policy illustrations walkthrough: the cash drag period and when it flips 1:14:00 – Mutual companies, dividends, and why the math actually works 1:24:00 – Why…

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