Infinite Banking for Real Estate Investors w/ Danielle McKinley | REtipster Podcast 249

Show Notes: https://retipster.com/249-danielle-mckinley/?utm_source=youtube&utm_medium=social&utm_campaign=podcast&utm_content=tGPdMkkQhjY

In this episode, I’m talking with intuitive money coach Danielle McKinley about money stories, contentment, and the infinite banking concept (IBC), a strategy I’ve personally used for the past five years.

We dig into why her nine-figure software exit felt strangely empty, how childhood money trauma shaped her drive for safety, and how she created a “contentment filter” to build wealth that actually supports the life you want… instead of chasing numbers that don’t make you any happier.

Then we take an honest, non-pitch look at infinite banking:
- what it is (in plain English),
- how real estate and land investors can use it,
- how it really compares to 401(k) loans,
- why banks quietly use the same strategy, and
- how to avoid getting sold the wrong life insurance policy with huge commissions.

If you’ve heard about using whole life insurance as your “personal bank” for deals, but you’re confused or skeptical, this conversation will clear up a lot.

0:00 - Intro: money, purpose & infinite banking
1:19 - Danielle’s story and SaaS company background
2:47 - Building, scaling and exiting a HIPAA SaaS
3:41 - Why a nine-figure exit felt like “nothing”
5:12 - Childhood money trauma and safety vs freedom
9:00 - Money stories, shame and inherited beliefs
13:06 - “Loving money” vs the Bible verse tension
14:04 - The contentment filter in a social media world
16:27 - Comparison, mentors and healthy ambition
19:13 - Should we trust our feelings about money?
20:34 - Income, happiness and “how much is enough?”
22:47 - Losing purpose after financial success
24:46 - Testing your “why” before you hit your goals
28:45 - What is the infinite banking concept, really?
29:55 - The $100k / $80k example in simple terms
32:04 - What happens if you never pay the policy loan?
33:01 - IBC vs 401(k) loans for investors
35:22 - How banks secretly use life insurance (BOLI)
37:06 - Bad policies, huge commissions and red flags
39:09 - Who actually earns the interest in IBC?
43:30 - Smart (and dumb) ways to use policy loans
44:47 - Term, IUL, whole life & policy stacking
49:30 - Policies on kids and generational planning
52:59 - Who is and isn’t ready for these policies
54:18 - What “living benefits” really mean
56:29 - Debt, shame and when to actually start
58:30 - Are big commissions still a fair deal?
1:03:30 - Where to find Danielle and final thoughts

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