Jayson Lowe
speaker
79 appearances
1 recordings
1 series
first heard Feb 2025
last heard Feb 2025
Jayson Lowe’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsNo recordings in the last 12 months.Older appearances are listed below; set an alert to hear about the next one.
Appearances
Well, and I would ask you, and you can attest to this. We didn't discuss this before the show, but I'll just ask you, we'll just jam on this for a second. Yeah. So just name one institution that uses compound interest.
Life insurance companies. Okay. That's the certainly one institution. Um, any other that you can think of? Banks. Banks. That's the most frequent response that we get. Banks don't use compound interest. They either charge it or they pay it. So they're the only way for your money to compound is for it to sit still.
And so the banks want your capital and they want it for a long time because they get to obviously. They flip it. They, they, they, thank you. You took the word right out of my mouth, which aligns perfectly with the show. That's right. Banks, banks are in the flipping business, but they're not dealing with tenants at three o'clock in the morning with a busted water here. That's right.
They're flipping capital. We're doing the same thing. And if I just bring it right down to the you and me level. Fundamental truth, our money must reside somewhere. Can you and I agree on that? Of course, yeah. And so what better place to have it reside than within the attributes of what we're describing?
And when you pay that premium into that policy and it produces cash value and you can borrow against it on demand... Does that take away any of your options as a real estate investor?
Okay.
Can I share an example with you that tends to really resonate? Yeah, of course. So when I first began my journey with the infinite banking concept, so this was back in July of 2008, you could still get 40 year amortizations on mortgages. I was an active real estate investor in both the United States and Canada. And up in Canada, you could get a 40-year amortization schedule on a mortgage.
So we bought a residence. The mortgage was about $426,000. And we thought, wow, this is terrific. Interest rates were below 3%. 40-year amortization schedule. We're standing on top of the world. That was in April of that year. I got introduced to this concept in July of that year. We got rid of the conventional bank seven years later. So 33 years ahead of schedule.
And we did it in a ridiculously simple way. We paid premium into high cash value, dividend paying life insurance policies on my wife and I, and then our four kids. We borrowed against that ever increasing accumulation, which can't go backward, by the way. So you have several policies. There hasn't been a single day where your cash value has gone backward.
We borrow against that accumulation without interrupting its daily growth. We pay off the conventional bank, but we now have a policy loan balance, but we don't have any debt owed in the form of a mortgage.
So the payment that we would have otherwise been contractually bound to continue sending to someone else's bank, I say that again, someone else's bank for the remaining 33 years of that 40-year amortization schedule, We're changing the process of who's getting the payments and who's getting the money. The first person I called was this gentleman here, my late mentor, the late R. Nelson Nash.
He wrote the bestselling book titled Becoming Your Own Banker. This book is self-published. It sold more than 575,000 copies for a reason. Wow.
process works so he developed it pioneered it engineered the process he was the first person i called and given that he lived and worked in birmingham he had this uh you know southern drawl and i called him i said no i said nelson you're not going to believe it i got rid of the conventional bank 33 years ahead of schedule and he said take a seat boy and i sat down and he said uh
you wanna be an honest banker, don't you? I said, yes, sir, I do. He said, well, I need you to finish the original loan schedule. And I said, what do you mean? He said, you've gotta change the process of who's getting the remaining 33 years of payments. Otherwise your expenses are gonna rise to find that new surplus cashflow, aren't they? I said, yeah. And he said, well, get to work.
And we've been continually replenishing our family's money pool But here's the thing that people need to understand. You used the example earlier about a car. Such a great example. You can either pay cash for it, lease it, finance it, or steal it. Most people don't do that. Probably not going to steal it. Or auction it.
But when you pay cash, lease or finance, every single one of those methods is a permanent transfer of money away from you. Just think about it. Every payment you make is someone else's passive income. That's right. So if you can redirect where that financial money, where that energy is flowing to inside of an entity that you own and you control.
If you can do that with property, if you can do it with vehicles, if you can do it with what we do, like my premiums are 1.56 million a year. We have 77 policies in our family banking system. Wow. We practice this process as a family. Think about this.
When you were growing up, stop me when I'm wrong, did you ever hear your parents or somebody close to your family say, Justin, someday you're going to wake up and you're going to move out and you're going to start your own family. You're going to have your own bills. You're going to have your own financial obligations. You'll truly understand what financial responsibility is.
We've all heard that growing up. The wealthy don't speak that way. The wealthy circle the wagons around the family. I want the mortgages, the loans, the business investments, the real estate investments, the cars, the property, the appliances. I want all of that money for those things flowing back to the family banking system, not onto the books of someone else's bank.
So the real estate investors tell us, we love the fact that you coach us on how to do that. If you went onto a job site and you're at one of your flip projects and you handed the best tool to get a job done to somebody who doesn't know how to use the tool, they're not only going to break the damn tool, they're not going to turn out any good work with the tool.
Showing 21–40 of 79 · page 2 of 4
← Previous
Next →