In this episode, Chris sits down with Steve Harmon—an intentional, goal-driven person whose path into Infinite Banking wasn’t exactly smooth. Steve hit a few bumps early on, but instead of backing off, he leaned in, learned fast, and turned those lessons into a mission. Today, he’s become a trusted voice and go-to resource in the IBC community, helping others avoid the same pitfalls and implement the strategy with clarity and confidence. Steve’s story is equal parts honest and inspiring—and his purpose behind the work is the kind that sticks with you.



In the second half of this powerful conversation, the script flips — and Chris becomes the interviewer! He invites Christina to share her own deeply personal story, giving listeners an inside look at the experiences, struggles, and motivations that shaped her journey. Christina opens up about the financial challenges she faced, the mindset shifts she had to make, and how discovering the Infinite Banking Concept (IBC) transformed not only her own financial path but her vision for her family’s future.

She shares how she is actively using IBC to create long-term stability, flexibility, and generational wealth, and why this approach resonates so strongly with her values. It’s an inspiring, authentic, and empowering segment that reminds us how real people are using IBC every day to rewrite their financial stories — and build legacies that last.



Chris Bay kicks things off with a brief history lesson on how the concept of retirement came to be and why it looks the way it does today. Then Mike Kwong and Mike Crawford jump in with real-life stories and examples that challenge the traditional idea of “retirement” and highlight what it could mean through the Infinite Banking lens.



This episode is a special one! Chris flips the script and gets interviewed by one of our favorite clients, Christina Conover-Merrill. She dives deep into his personal journey — how he first discovered Infinite Banking, what drew him in, and how he’s used his own policies over the years.

Christina doesn’t hold back — they even dig into the lessons learned from the things that didn’t go according to plan. It’s an honest, insightful, and inspiring look at what it really means to live the Infinite Banking lifestyle.



In this episode, Chris, Mike C, and Mike K dive into one of the four things IBC can do—and it’s not the one we usually highlight. We’re talking passive income! Together, we break down different ways your system can work for you to help create ongoing income streams. Our resident “income stacker,” Mike Kwong, also shares insights straight from his book DIBS. Tune in—you’re bound to pick up a new idea (or two)!



In this episode, Chris sits down with Sarah Vohra, whose journey with Infinite Banking began at a surprisingly young age. Her story offers a fresh perspective on why teaching the next generation about IBC is so important. Sarah shares personal success stories and lessons learned along the way — and at only 27, she’s already making a remarkable impact. Don’t miss this conversation with someone who’s taking the world by storm!



In this episode, Chris sits down with the brilliantly goofy (and always insightful) Frank Keck! Frank shares his fun and inspiring journey with Infinite Banking, weaving in personal stories of both tribulation and triumph. Along the way, he offers powerful insights into the mindset that has shaped his personal and business life over the years — and gives us a sneak peek at his forthcoming book!

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In this episode, Chris has the privilege of interviewing Clarke Tuitele — one of the kindest and most sincere people we know. Not only is Clarke a friend and client, but his story is one of resilience, wisdom, and deep authenticity. Tune in as he shares his incredible journey through life, investing, and IBC. It’s a rich, meaningful conversation we think you’ll truly enjoy.



In this episode, we dive into the secret sauce of Infinite Banking. Don’t worry—it’s not complicated.
So what is it?
Regular monthly policy loan repayments. Yep. That’s it. That’s the sauce.
Seems too easy, right? Well, remember Nelson’s principle: “Don’t steal from your system.” It’s in the top-three for a reason. Because if you can actually do it—if you can overcome the human problems—then like Nelson said: you win by default.


In this episode, Chris sits down with the one and only Teri Wilkinson! Her path to Infinite Banking — and ultimately to finding the Life Success & Legacy team — is both inspiring and unique. Teri also happens to be the namesake behind the now-famous DIBS term “Ter’i’aki”! Tune in to hear her story, her insights, and why she’s become one of our all-time favorites.