10: How Much Do You Need to Start IBC?

09/04/2025 17 min
10: How Much Do You Need to Start IBC?

Listen "10: How Much Do You Need to Start IBC?"

Episode Synopsis


In this episode, I tackle one of the most common questions I receive: "How much money do you need to get started with Infinite Banking?" In addition to some hard numbers, I explain the practical ranges, introduce my "Goldilocks Rule" for finding the perfect policy balance, and share strategies for kickstarting your IBC journey regardless of your current financial situation.Whether you have a few hundred or a few hundred thousand dollars to commit, you'll learn how to think about the right starting point for IBC.LINKS:1. Get my free weekly newsletter with exclusive content on financial education2. Work with me: Schedule a consultation(00:00) - 010 Main and 010 Screenshare
(01:27) - Practical Minimum and Maximum Premium Amounts
(03:32) - How Much Money Do You Want to Save?
(04:18) - Emergency/Opportunity Fund
(05:30) - Cash Flow Considerations
(08:10) - Don't Play Games wtih Policy Design
(11:32) - This Balanced Approach Does Better
(13:23) - Going Bigger with Zero Out-of-Pocket
(14:10) - Kickstart with an Additional Lump Sum
(15:30) - Not Enough to Buy Whole Life? No Problem