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Welcome To Life Success & Legacy

Mike Everett and Chris Bay

For many of us, a significant barrier to creating the life we want for ourselves and our families is money.  Of course, wisdom tells us financial gain alone is not the answer.  With an emphasis on education and developing trusting relationships, our team helps you increase the level of clarity and purpose you have for your life.

We then design a personalized Infinite Banking Concept (IBC) Strategy to support your vision. How do we know this works?  Each one of us at Life Success & Legacy was in your shoes at one time learning about the power of IBC. Now, we help others create the life they want.

Why does Life Success & Legacy Exist?

To inspire financial hope and freedom by revealing little-known truths about money while investing in trusting, long-term relationships.

What is Infinite Banking?

Can your money do more?

Think about this for a moment – if you could somehow recover all the interest you are currently paying (or will pay) to a lending institution, how would that improve your wealth generating potential?  That includes credit cards, car loans, student loans, business loans, and even mortgages.  The average American pays out $0.34 of every earned dollar as an interest expense.  … read more

Infinite Banking FAQ

Why haven’t I heard about IBC before?

Here are few possible reasons you haven’t heard about IBC. First, Nelson Nash didn’t write his book, Becoming Your Own Banker, until 2000. Second, there are not enough IBC practitioners effectively teaching the Infinite Banking Concept. Third, most people will not take the time to educate themselves properly to understand the power of IBC. This includes advisors and potential clients… read more

Business Owners

Great News for Business Owners!

Every business, big or small, is built on the same universal basics: customers, cash flow, return on capital, and growth. Without even one of these, the business becomes stagnant and eventually fails. At its core, the business entity seeks customers with whom to exchange its goods and services for cash. It uses this cash to pay its expenses, replenish its inventory, and eventually grow… read more

Purchase Nelson’s book and begin taking control of your financial future, today!

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Equipment Financing – Addendum – BYOB #31

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In the last episode, Mike and Chris wrapped up the equipment financing section... almost. There were some that had concerns over the very high dividend scale from when the book was originally published. So Nelson decided to present a new illustration…
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Equipment Financing – Part 4 – BYOB #30

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In this fourth and final episode of the equipment financing section, Mike and Chris unpack the big picture of this section. It's long, but 100% worth it. Remember it's the Infinite Banking Concept, not the one size fits all concept. If you grasp…
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Equipment Financing – Part 3 – BYOB #29

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Mike and Chris continue working through the equipment financing section of Neslon's Becoming Your Own Banker. This portion is where you truly begin to see the power of Infinite Banking and how it has nothing to do with the insurance policy,…
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Equipment Financing – Part 2 – BYOB#28

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In this episode, Mike and Chris go deeper into the equipment financing chapter of the book. Which is beginning to transition away from the individual application of Infinite Banking into strategies suited for businesses. Join as Mike and Chris…
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Interview with Mike Crawford

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In this #tbt podcast, Mike Crawford is the subject! We dive into the way he got introduced to Mike Everett, his immersion into Infinite Banking and the story of how he and his family are implementing IBC. We hope you enjoy this deep dive with…

Family Banking with Purpose: An interview with Author Chris Bay

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In this very special episode, Mike Crawford interviews author Chris Bay about his new book, 'Family Banking with Purpose.' In his book, Chris uses relatable circumstances that we have all been through. These scenarios can be used to help families…
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Equipment Financing – Part 1 – BYOB #27

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Mike and Chris are digging in for this multi-part podcast on Equipment Financing. For those of you who wanted numbers, here it is. This chapter really starts unfolding the benefits of using Infinite Banking by providing multiple examples of…
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Expanding the System to Accomodate all Income – BYOB #26

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In this episode, Mike and Chris go into one of Nelson's most intriguing chapters and, for that matter, opening sentences of a chapter. If you're a veteran follower of the Infinite Banking Concept, you know what it is. For those who are new,…
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Interview with Chris Bay

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In this #tbt podcast that originally aired March of 2018, the reigns are taken from Chris Bay and handed to Michael Crawford! We drill down into how Chris and his family got started, where they had taken IBC up to that point and more! Take a…
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Start Building Your Own Banking System – Part 2 – BYOB #25

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Mike and Chris work through the second half of this awesome chapter by going in to depth on Nelson's vehicle purchase example. They drill down into the C/D method and the Infinite Banking method, since they are the only two ways to be ahead…
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Start Building Your Own Banking System – BYOB #24

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In this episode, Mike and Chris dive into Nelsons chapter titled 'How to Start Building Your Own Banking System.' Part of Nelson's brilliance is how he can bring high level economics down to the you and me level. This chapter is no different.…
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Create the Entity – Part 4 BYOB #23

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In the wrap up of the Create the Entity section, Mike and Chris discuss Universal and Variable Life in relationship to Infinite Banking. They talk about how Nelson felt about those products and the reasons why he had those opinions. Enjoy! …
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Creating the Entity – Part 3 BYOB #22

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In the third part of Creating the Entity, Mike and Chris expand upon Nelson's idea of having multiple policies to accomplish the long term goals of Infinite Banking. They also reiterate how Whole Life Insurance is misclassified. Pay close attention…
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Interview with Mike Everett

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Chris interviews Mike Everett in the first of our team interviews. We cover the gamut and think you'll enjoy this #tbt post! Mike Everett Interview. Transcript Chris Bay: Welcome to the Life Success Legacy Podcast. My name…
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Creating the Entity Part 2 – BYOB #21

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Mike and Chris pick up right where they left off and continue to the ins and outs of creating the entity. Nelson spends time explaining the classification of Whole Life, which he contends should have been called a 'banking system with a death…
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Creating the Entity – Part 1 BYOB #20

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This next section will be a multi-part podcast on the idea of Creating the Entity. Mike and Chris take a dive into the world of Life Insurance Actuaries... yeah, we know you're riveted. However, this is critical to understand, if we are to understand…
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Is IBC A Scam?

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In this #tbt podcast we review the question that we get all the time; is Infinite Banking a scam. The original podcast was released in February of 2018, and honestly, the question probably gets asked more now than back then. We all get so caught…
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Happy Birthday Nelson

This week would have been Nelson Nash's 90th birthday and in this episode Mike and Chris pay homage to the man that impacted their lives so much. In fact, we know he left his mark on thousands of people. We hope you enjoy this short tribute…
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Whole Life Insurance is bad, right?

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In this #tbt podcast, Mike and Chris dive into something we hear all the time, that whole life insurance is a bad place to store your money. In fact, I bet you've either said it yourself, or heard someone make the claim. However, this is the…
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Use It or Lose It – BYOB#19

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Nelson wrapped up the Human Problems section with a one page chapter on the topic of Use It or Lose It. Mike and Chris venture down into the main principle, EVA, or Economic Value Added. Which is the "recognition of the fact that your own capital…
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Is Infinite Banking Sustainable

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This weeks #tbt podcast was originally released January 4th, 2018. The sustainability of Infinite Banking has very little to do with the concept itself, but is a question about the insurance industry itself. I believe this question is rooted…
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The Arrival Syndrome – BYOB #18

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Nelson states, "This phenomenon probable limited the achievements of mankind more than anything else. When this 'thing' infects us, we stop growing, stop learning. We turn off or tune out the ability to receive inspiration -- because we 'already…
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Is IBC Too Good To Be True?

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In this #tbt post, Mike and Chris talk through a question we get all the time. Is Infinite Banking too good to be true? Honestly it's a question most of us have asked too! Take a listen to this podcast, and we feel you will be pleasantly surprised…
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Why haven’t I heard about Infinite Banking?

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In this #tbt episode Mike and Chris break down the reasons so many of us have never heard of Infinite Banking. Mike separates it into three main points: 1. Nelson didn't write Becoming Your Own Banker until 2000. 2. There aren't enough IBC practitioners.…
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The Golden Rule – BYOB #17

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"Those who have the gold make the rules" - Nelson Nash. This episode of our book walk through Becoming Your Own Banker continues to reveal more truths about money. Mike and Chris unwrap The Golden Rule principle, and wow is there a lot…
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IBC Policy Design Part 2

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In this #tbt we wrap up the Policy Design discussion by going into the details of what Nelson discovered. So many of us buy life insurance for just the death benefit and never think of the possibilities that lie within that contract. Mike continues…
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IBC Policy Design Part 1

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In this weeks #tbt, Mike and Chris go into more details about the types of life insurance, why most people buy life insurance, and how Nelson, through his own struggles, came to realize the true power of whole life insurance. This part 1 of…
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Willie Sutton’s Law – BYOB #16

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In this episode Mike and Chris dive into Willie Sutton's Law. Nelson had a lot of well thought out opinions on things. So why does he follow up the Human Problems with a chapter about a notorious bank robber? Well, I will steal from Nelson (via…
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The Human Problems – BYOB #15

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The first chapter of Section 2 is the Human Problems... Gulp. Nelson knew it was important to tackle this topic first, because we all struggle with these issues. The whole chapter is one page, but it's a packed one page! Take a listen to how…
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Getting Started with Infinite Banking

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This #tbt podcast is from August of 2017 and over three years later, it's still one of the most asked questions. How do you actually get started in Infinite Banking? Listen to how Mike and Chris reframe the conversation and you might just realize…
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Who is Life Success & Legacy

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This #tbt is awesome. Mike and Chris dive into the heart of who we are. Why do we exist? "To inspire financial hope and freedom by revealing little-known truths about money while investing in trusting, long-term relationships." That sentence…
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Review of Part 1 – BYOB #14

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We are officially buttoning up Part 1 of Nelson's Becoming Your Own Banker book review after thirteen AWESOME episodes... whew!! We're having so much fun taking this deep dive into each chapter of this life changing book. In this episode,…
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Tax Free Wealth Transfer

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In this weeks #tbt podcast repost, we wrap up the four pillars of Infinite Banking with Tax Free Wealth Transfer. This is something we all think about when it comes to traditional life insurance purchasing, right? We all buy life insurance for…
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Section One Wrap Up – BYOB #13

This podcast is a wrap up of section one of Nelson Nash's Becoming Your Own Banker. Mike and Chris highlight the chapters, review key points and sum up the information packed section. After you watch this one, go back and watch the other episodes…
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Tax-Free Retirement

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In this weeks #tbt podcast, we dive into the third pillar of Infinite Banking. It is probably something that all of us have pondered recently, considering the volatility of the markets with its roller coaster highs and lows. Yes, I am speaking…
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Learn How to Finance Everything!

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In this #tbt episode, we're getting into the second pillar of Infinite Banking; How to Finance Everything! This is a critical aspect of Infinite Banking and it can uncover limitless possibilities. As Nelson used to say, this concept, and the…
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Create Your Own Banking System PT 4 – BYOB #12

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Part 4 of this chapter, Creating Your Own Banking System, is amazing. There is so much crammed into this episode you may have to listen twice. So, sit back and enjoy as Mike and Chris dig deeper into the nitty gritty of life insurance, the need…
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Create Your Own Banking System Pt 3 – BYOB #11

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In part three of this ultra packed chapter, Mike and Chris dive into the way insurance actuaries "overbuild" policies. They also discuss dividends. What are they? How do they work? And are they helpful when considering Infinite Banking? …
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Rapidly Eliminate Debt

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Today's #tbt repost is the first of the four pillars of Infinite Banking. In the last #tbt we posted the short introduction to all four pillars, here, we dive in and get a more detailed look at exactly HOW Infinite Banking can help US take control…
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Create Your Own Banking System Pt.2 – BYOB #10

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In part two of Creating Your Own Banking System, we continue unpacking this dense chapter and helping you get the most out of all that Nelson is trying to teach us!
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IBC’s Four Pillars

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In this #tbt we are reposting our second podcast titled The Four Pillars of Infinite Banking. We are adding the transcript as well, just as an extra way to dive into the content. Let us know what you think by adding a comment to the page! Chris…
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Create Your Own Banking System – BYOB #9

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In this episode we begin discussing a very packed chapter of Nelson's Becoming Your Own Banker... How to actually create your own banking system. This first part we touch on the idea that you finance everything you buy. Listen to what Nelson…
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Creating a bank like the ones we already know – BYOB #8

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In this episode Mike and Chris unpack Nelson's chapter on creating a bank like the ones we already know. What does that even mean? How can we create a bank like the ones on the street corners? Take a listen and find out. It may just surprise…
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The Problem – BYOB #7

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In this podcast Mike and Chris discuss the problem from Nelson's Becoming Your Own Banker. This can be a pivotal moment in the understanding of Infinite Banking. We all struggle with 'the problem', but as Mike and Nelson have said, "Do you want…
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The Grocery Store – BYOB #6

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In this episode of the Becoming Your Own Banker book walk, Mike and Chris discuss one of Nelson's most important concepts, The Grocery Store. Pay close attention, this one is packed with a ton of information!
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Imagination – BYOB #5

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In this episode, Mike and Chris dive into one of Nelson's most simple, yet complicated concepts; imagination. We can all get stuck in our old way of thinking and we must remember that the Infinite Banking Concept is, as Nelson would say, only…
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How the Infinite Banking Concept Started – BYOB #4

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In this episode Mike and Chris tackle Page 12 of Nelson's Becoming Your Own Banker which is aptly named 'How the Infinite Banking Concept got started'. Chris immediately points out one of Nelson's often used phrases, "Hardship often helps us…
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Becoming Your Own Banker – Part 3

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In this episode, Mike and Chris dive into the first official section of Nelson's Becoming Your Own Banker titled, very fittingly, Becoming Your Own Banker. Ha! Unpacking this portion of the book is very important in understanding how Nelson…
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Becoming Your Own Banker Intro – Part 2

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In this second episode of our Becoming Your Own Banker walk-through, Chris and Mike finish up the very first section of the book. We spent extra time on this part, as we feel Nelson put a lot of gems in these first few pages of his book. We…
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Diving into Becoming Your Own Banker – Intro

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In this episode Mike and Chris start a new journey. We are going to be taking a deep dive into Nelson Nash's Becoming Your Own Banker, and we start with page 1! Our goal is to honor the book as well as Nelson himself. By taking the years of…
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Interview with Michael Hon

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In this episode Chris has the great opportunity to chat with Michael Hon! They discuss everything from Michael's entrepreneurial background, his coming of age story, and even a little Infinite Banking! Please take a listen and make sure to check…
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Convertible Term – What is it? Is it good?

In this episode Chris and Mike discuss the Convertible Term policy. What it is and if it's even good! Take a listen and see if and how a properly structured Convertible Term policy could fit into your life insurance portfolio!
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Premiums – Bill or Deposit?

In this episode Chris and Mike discuss life insurance premiums... Are they just another bill, or could you consider them a deposit into your own banking system? Listen to what Chris and Mike think and how that can be applied to your lives! If…
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What if I get denied?

In this episode Chris and Mike answer one of our most commonly asked Boot Camp 2 questions. What if I get denied? How does the underwriting process and possible denial of coverage affect your Infinite Banking plan? Can you ever reapply for coverage?…
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Interview with the Keck’s Part 2

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In this episode, Chris dives into the idea of 'culture' with Frank and Rachel who know a lot about it. Why? Well, that's what they do! For a living... Tune in and see why this idea of culture is so important to not only your workplace, but also…
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Interview with the Kecks

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Are you ready? In this episode, Chris interviews Frank and Rachel Keck and it's awesome. They are longtime friends with the Bay's and their excitement for Infinite Banking is real. This high energy interview is full of great info and we hope…
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Interview with Pei and Mike!

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In this episode, Chris has the opportunity to chat with Pei and Mike from Sugar Land Texas. What's really cool about this, well beside the fact they are amazing people, they found us through this very podcast series! Take a listen and hear…
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Interview with Scott and Jena Sales

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Chris interviews Scott and Jena Sales from Pella Iowa! They're a great family with an awesome Infinite Banking story to tell. Take a listen and see what you can learn.
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Gregg Hielema interview from August 30th, 2018

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This interview was recorded in August of 2018 and to date, it's one of our favorite interviews. March of 2019, Gregg took his place in Heaven and we felt we should re-release his podcast. Chris Bay recorded a new short intro to the interview,…
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Interview with Richard Canfield

In this episode, we take the interview international... Canada! We have the pleasure of chatting with the one and only Richard Canfield. He's an IBC Practitioner, proud Canadian, and an all around great human; who we have the great honor to…
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Interview with Dr Benson

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In this episode we have the privilege of interviewing Dr Eric Benson. He is a staunch supporter of Life Success & Legacy, an accomplished chiropractor and an all around great man. Chris dives into some of Dr Benson's hobbies, passions and…
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Shawn Bay tells her side of the IBC story.

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In this episode, Mike Crawford has the opportunity to interview Shawn Bay, Chris's wife! She tells how they got started in their Infinite Banking journey and how it has completely changed the way their family thinks about and handles finances.…
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Chat with Mary Jo Irmen

In this episode, Chris has the opportunity to talk with Mary Jo about how she found Infinite Banking and created her book. Her passion for ranchers, farmers and Infinite Banking are apparent. Take a listen and check out her website and books.…
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Is retirement a four letter word?

Listen as Mike and Chris dive into one of the most fascinating topics within the Infinite Banking Concept - Retirement. Nelson doesn't even say the word, which makes sense, he is still working at 87! This one is worth a listen.
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Capitalization of the system

In this episode, Mike and Chris discuss one of the foundational aspects of Infinite Banking, capitalization. It can be one of the most powerful and scary aspects of IBC. Listen to learn how Mike and Chris had different approaches and how it…
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Respect of and for Nelson Nash

In this episode, we go a different direction. Mike and Chris discuss the 'early years' of Infinite Banking. We dive into how respected Nelson has been and continues to be as well as the influence he's had on Mike Everett and the entire Life…
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Chat with Kathy Tagenel Pt. 2

In part two of this two episode conversation, Chris continues the discussion with Kathy Tagenel, who is the Chief Marketing Officer for Burg Communications, and an all around great person. In this podcast, they get into the details of the Kolbe,…
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Chat with Kathy Tagenel – Part 1

In part one of this two episode conversation, Chris has the honor of interviewing Kathy Tagenel, who is the Chief Marketing Officer for Burg Communications, and an all around great person. She and Chris talk about her connection to The Go-Giver…
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It’s not about investments…

In this episode we discuss one of the most unique aspects of the Infinite Banking Concept - investments or the lack there of. Chris and Mike discuss what Nelson is talking about on page three, second column, first sentence of the first full…
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Why are people returning to Boot Camps?

In this episode, Mike and Chris discuss why existing customers, and even spouses, return again and again to Boot Camps. What are they gaining? Is it just the free food?! Listen and find out, and then join us at our next Boot Camp to experience…
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Do I have to be perfect?

In this episode, we discuss a question that we hear all the time, "Do I have to be perfect?" Mike and Chris explain why it's NOT necessary to be perfect and give personal examples on how each of us has not been perfect! It's a great listen.
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Brandon Goswick & Nathan Dean Chat

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In this episode, we interview Brandon Goswick and Nathan Dean out of Texas. They are associate agents of Life Success & Legacy, but their story and background is quite unique. Listen to learn about what they are doing with IBC both personally…
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Chat with Gregg Hielema

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In this episode, Chris interviews Gregg Hielema. He has an incredible story to tell. It's a little longer than our normal podcasts, but 100% worth the listen!
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Dream Manager

In this episode, Chris and Mike discuss the idea of the Dream Manager. What it was born from and how we at Life Success & Legacy feel it can change how any sized business interacts with its employees.
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Associate Agents

In this episode Mike and Chris talk about our associate agents and how we address the addition of new agents. Take a listen and check out other podcasts by subscribing!
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Evolution of Life Success & Legacy

In this episode Chris and Mike dive into the changes that have happened in the last few years to the Life Success & Legacy team. It's a great listen especially if you're interested to know where we started and how we've grown!
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The Client Conversation

In this episode, Chris, Shelley and Mike Crawford (a little) discuss what makes up the client conversation. We dive into the process and even chat about the benefits it can provide outside of Infinite Banking! Be sure to check out our other…
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Conversation with Ron Swall

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In this episode, Chris and Ron discuss how he got into IBC, the things he has done and plans to do with it, and how it has impacted his life in so many ways. You don't want to miss this episode!
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Family Banking

In this episode Chris and Mike dive into one of the most exciting aspects of the Infinite Banking Concept, Family Banking. How do we keep OUR money moving through our familial unit! Check it out!
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What to expect from a Boot Camp

In this episode, Mike and Chris discuss the origins of the Life Success & Legacy Boot Camps, how they've grown and what to expect. Listen in and then go to our Boot Camps page to join one near you!
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What about the interest?

In this episode, Chris and Mike discuss a question we get asked all the time... "What about the interest?" You'll hear why it doesn't really matter, but why it requires a shift in your thinking!
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Tod & Shelley Forbis tell their story

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In this episode, we get to learn how Tod and Shelley became involved in the Infinite Banking Concept and how that excitement eventually turned into a career for Shelley!
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Interview with Dr Brian Heck

In this episode, we have a first time occurrence (though not the last!) interview of a person outside the Life Success & Legacy team! Dr Brain Heck is currently working through the process of becoming a client and wanted to tell his sto…
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Chris Gerriets tells his story.

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In this episode Chris Gerriets tells us how he got into IBC, first as a client, then as a coach!
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Mike Crawford tells his story

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In this episode, Mike Crawford tells how he learned about the Infinite Banking Concept and describes how it has changed life.
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Chris Bay tells his story

In this episode we get to turn the tables on Chris Bay and hear how he got started with the Infinite Banking Concept. He tells us how, after much deliberation, he decided to leave a 22 year career to teach others about the power of IBC.
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Mike Everett tells his story

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In this podcast, Chris interviews Mike and we learn about how he was introduced to IBC and what those early years were like!
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Is Infinite Banking a scam?

In this episode Chris and Mike discuss the frequent question, "Is Infinite Banking a scam?" Take a listen and see for yourself why it's definitely not a scam, and how it can help you take 100% control of your money!
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Isn’t Whole Life a bad place to put my money?

In this episode, Mike and Chris discuss one of the most frequently asked questions, "Isn't Whole Life Bad". Take a listen to hear why we believe it's the single best and safest place to store YOUR money!
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Is Infinite Banking sustainable if everyone did it

In this episode we discuss the sustainability of the Infinite Banking Concept, to the insurance company, if everyone did it! Listen to learn a little about how insurance works!
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Infinite Banking Sounds too good to be true!

In this episode Chris and Mike discuss a topic we hear all the time! Is this too good to be true? Have a listen and learn why Infinite Banking may be right for you!
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Why haven’t I heard about Infinite Banking?

In this episode Mike and Chris tackle a very frequently asked question. "Why haven't I heard of Infinite Banking?" Listen to learn!
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Infinite Banking Concept Policy Design – 2

In this episode, we continue our discussion of policy design and get into the details of how it's done. Part 2 of 2.
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Infinite Banking Concept Policy Design 1

In this episode, we dive into the types of life insurance, why whole life is the best for 'banking' and the basics of policy design. This is a two-part series.
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How to get started in the Infinite Banking Concept

In this podcast, we discuss the ways in which anyone can get started in the Infinite Banking Concept. Chris and Mike talk through the types 'activators' that clients have used over the years.
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Who is Life Success & Legacy

In this episode, we dive into how Life Success & Legacy has come to develop into what we are today. Learn how Mike and Chris created our mission statement - and more!
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Using IBC for Tax Free Wealth Transfer

In this episode, we discuss the fourth thing that Infinite Banking does, which is create tax free wealth transfer. How it works and why it matters.
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Get tax free retirement using Infinite Banking.

In this episode, learn how to create tax free retirement income using the Infinite Banking Concept
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Learn how to finance everything in your life, using IBC

In this episode, we discuss how to use the Infinite Banking Concept to finance everything in your life. Buckle up, this is when it gets fun!
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Rapidly eliminate debt using Infinite Banking

Rapidly eliminate debt while building wealth using Infinite Banking by Life Success & Legacy Team
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The four pillars of the Infinite Banking Concept

In this second podcast, the Life Success & Legacy team breaks down the four pillars of the Infinite Banking Concept.
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Welcome to the Infinite Banking Concept

In this first podcast, the Life Success & Legacy team reveals how being introduced to the Infinite Banking Concept changed their lives and those around them.