Aug 5 • Case Studies
Capital attracts opportunity
Capital attracts opportunity. I didn't really understand this until I started putting money in a place that I completely controlled.
This is the view from my backyard. It's like this on most nights, and I hope that I'll never grow tired of just pausing to admire God's creation.
I want to be clear about something: a whole life insurance policy did not build this house; although it could have.
What a dividend-paying whole life policy did was make capital available on my terms. Cash value that builds on a guaranteed floor. Loans I can take against it without an application, a credit pull, or a 60-day window. Money that keeps compounding inside the policy even while its value is out working somewhere else.
Here's what practicing the Infinite Banking Concept (IBC) did for my family. Whole life insurance cash value funded the initial land acquisition; it funded the construction loan 25% down payment; it funded the 12 months of mortgage payments my lender required we have in an account at their bank prior to closing; it funded 100% construction of our pool space; it funded our landscaping; and finally it funded builder overages that sometimes occur.
Liquidity without liquidation. I didn't have to sell or cash in a damn thing.
Every opportunity I've taken in the last several years had a clock on it, and not one of them waited while I figured out where to pull the money from, or which position to sell, or what the tax hit would be.
Most people's money exists on a paper ledger their 401k custodian sends every quarter. Liquid capital attracts opportunity — illiquid capital watches it happen from a distance.
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Capital attracts opportunity
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