Everybody’s heard about inflation, but most people don’t know much about it. And the government and banks seem all too happy to keep it that way. But this topic is so important even John Adams was sounding the alarm about it all the way back in the 1700s! Inflation can be hard to explain in academic terms, so today I’ll share a story that illustrates what inflation is, and how it does so much damage. It’s ripped from the Roman Empire, but you’ll see the parallels to your country today. You’ll also see why it’s important to protect yourself from inflation as best you can, and one way to do it. Listen now! Show highlights include: Why undisciplined government spending always leads to inflation. (2:55) How even a slight manipulation to currency sends shockwaves through the entire economy and strangles your spending power. (3:05) Real reason the Roman Empire collapsed, and why other nations are at danger of the same fate. (7:20) What to say next time you’re in the grocery store so you don’t blame high prices on the wrong source. (8:30) Sneaky way banks contribute to inflation. Your mortgage or car loan could be part of the problem. (8:34) Legal way to protect your money from traditional banks so they can’t make inflation even worse. How it helps you and your country. (8:45) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)  

You’ve heard plenty of savings advice. But you might be wondering if conventional wisdom really is the best. Well did you know sometimes banks will encourage you to follow one strategy while they operate on a different one? In this episode I’ll tell you what they do so well, and how you can adopt their strategy yourself to plan for retirement more effectively. I’ll also explain why you should be building a “ginormous” nest egg, and a few things to look for so what you’re building doesn’t get crushed by things you can’t control. Listen now! Show highlights include: Simple test to know whether you should use money to save or to invest. (0:37) How much of your nest egg should be in investments? Here’s what Valerie thinks. (1:33) The “diversified” lie that makes you feel secure but can put all your assets at risk. (2:45) Earn on the money you spend? Sounds impossible, but here’s how to do it. (3:24) The perpetual motion strategy banks use to make their money work for them. And how you can use it too. (5:10) Einstein’s insight on compound interest. Why knowing this one thing can be the difference between lifelong money struggles or a secure retirement. (6:47) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You’ve heard the downsides of term life insurance and now you’re wondering: “Why would I ever buy term?!” But the truth is, there are times where it’s a smart move. And in today’s episode I’m sharing a boatload of reasons term life insurance can make sense for you or your loved ones. Listen now! Show highlights include: How to use term life’s flexibility so you get the death benefit you need without a premium you can’t afford. (0:52) Why you should go through underwriting right away, even if you don’t think you can afford life insurance yet. (2:27) Surprising way term life lets you maximize your pension benefits. (4:27) How smart business owners use term life insurance to save their business when misfortune strikes. Works for partnerships too. (8:03) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)  

Critics of Infinite Banking say term life insurance is the way to go. And while I believe there’s a place for term insurance, that doesn’t mean it’s for everybody. And there are things you should know that you can’t expect to hear from the people who sell and promote it. In this episode I’m sharing important downsides so you can know when term insurance makes sense for you, and when it doesn’t. And I’ll give you some warnings so you don’t let a good use of term insurance accidentally wreck your financial planning. Listen now! Show highlights include: Are those low premiums worth it? The shockingly low term life insurance pay rate. (1:17) When term insurance actually makes sense. (2:00) How term life lulls you into a false sense of security that leaves you exposed to financial hardship. (2:31) Overlooked term life renewal factors that could empty your wallet or leave you uninsured when you need it most. (3:23) How a healthy husband’s simple oversight left his wife in financial straits. And how to make sure this could never happen to you. (5:44) Buy term now and convert to whole life later? Sounds smart. But beware this sneaky thing companies do that can topple your strategy. (7:00) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You’ve learned enough about the benefits of Infinite Banking you’re starting to wonder: Why doesn’t everybody know about this! Is it a conspiracy?  A plot to keep you in the dark?  Not exactly.  There’s a simpler (but still serious) explanation, and I’m sharing it in today’s episode. Plus, I’ll give you a peek “behind the curtain” at what goes through the mind of an average agent when they’re introduced to IBC. Listen now: Show highlights include: Does your advisor suffer from “arrival syndrome”? What to look for, and why it robs you of the best service you can get. (1:27) The simple way to introduce people to IBC, even if you stink at explaining things. (3:36) Surprising indicator your advisor is a cheapskate, and why to avoid them if they are. (5:43) The #1 resource to learn IBC. Spoiler: It’s not social media, or even a podcast. (6:54) Selfish financial incentive that may be what keeps some advisors from promoting IBC, even if it’s the best strategy for you. (7:53)  Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You don’t like to think about it. But you know that in a blink something could happen that leaves you financially responsible for a fortune.  But you don’t have a fortune. So now what? Can creditors or the government come after everything you have? Even your life insurance? This is a complex issue, with parts that vary by state. But on today’s episode I’ll help you understand the basics so you can know what protections you might have. Listen now! Show highlights include: Exemption exclusions you need to know about. Especially if your policy is tied up in a loan. (3:33) Does Uncle Sam get to know everything about you? The secret you can legally keep from the IRS. (4:51) Surprising “FAFSA advantage” helps you save for your child’s college education and still qualify for financial aid. (5:22) Why you should use IBC to save for your child’s college fund, especially if you aren’t certain they’ll go to college. (5:43) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You know that IBC is built on cash value whole life insurance policies, so you might think term life isn’t worth your attention. Don’t be so sure! It turns out, term life insurance can make it easier for you to build your banking system. Especially if you’re just starting, or have a limited budget. In this episode I’ll clarify one important feature of term life insurance: how to convert it into a whole life policy. I’ll also explain when a term life policy is right for you, the difference between a term life policy and a term life rider, and what makes term life insurance so great in the right situations. Listen now! Show highlights include: How your existing term life insurance can grow your IBC without another bothersome nurse visit. (1:13) Why IBC beginners should also consider term life. (1:36) The crucial difference between a term life policy and a term rider, and why knowing this can save you from an expensive mistake. (3:50) Infinite Banking’s “build it backward” approach so your new whole life policy works for your goals and budget. (6:55) Why term life insurance’s flexibility could make Gumby jealous. (9:07) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You’ve got plenty of life left to live, so you don’t want to think too much about all the expenses involved when you die.  But that’s dangerous, because without proper planning you could leave your loved ones a nightmare, even if you have a fortune in hard assets. Today I’ll share the most common financial obligations that show up when you pass away. Knowing what these are will help you plan so your family has the cash it needs if something unexpected happens to you. Listen now! Show highlights include: The “Big Five” death expenses. Overlooking even one of these could blindside your family and your finances. (1:11) Secret tactic, already used by mega-estate owners, to shield yourself from more taxes. (2:46) Why knowing a good estate attorney is worth the effort, and where to look to find one without hassle. (3:45)  Startling truth about medical costs, and how they can derail your loved ones’ ability to receive your death benefit. (6:54) The “scrounge and scramble” way to make sure your family is miserable and struggling to make ends meet without you. (8:09) Can’t start a whole life policy now? What you should do immediately so your family isn’t vulnerable. (9:20) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

If you have disability coverage at work you probably think you’re “all set” if something happens. But the truth is, most coverage offered by employers hides terrible surprises. Surprises that mean you’ll get a lot less than you think, if you ever need to collect benefits. Waiting until disability happens is too late to protect yourself. You need to take a closer look at that coverage NOW. So in today’s helpful episode I’ll tell you exactly what to look for in that work-provided policy so you don’t get blindsided.  Don’t have coverage from work? I’ll also explain the key points of both short term and long term disability so you’ll know how to find coverage that works for you. Listen now! Show highlights include: Key questions to ask about your existing insurance so you don’t get burned when you need the benefits. (1:20) The “Uncle Sam” surprise waiting for you if your employer buys your coverage. Know this so you don’t get a smaller disability check. (4:17) “Exclusion Inclusion.” Why you should still consider that policy even if it has some exclusions. (9:15) High-earner blindspot that keeps you financially vulnerable to disability, even though you think you’re covered. (10:45) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You’ve heard people use that dreaded “D” word… Disability. It’s dreaded for good reason, because even temporary disability can demolish your savings. And yet, so many people don’t give this danger a second thought. They leave themselves completely exposed to catastrophe. But you don’t have to be one of them! In today’s episode I’ll explain just how serious this issue is, and how to protect yourself from a financial disaster waiting to happen. Already have disability insurance? I’ll also tell you what to look for so you can be sure you’ve got the right amount of coverage for you. Listen now. Show highlights include: The surprising #1 cause of bankruptcy in America. Can strike in an instant, and you aren’t immune. (1:30) Your “two most valuable assets.” They aren’t what you think they are, and they’re exponentially more important than all the rest. (2:57) Simple insurance riddle that still baffles millions. Do you make the same dangerous mistake? (3:20) Alarming disability statistics that dismantle the “it could never happen to me” myth. Shock yourself out of complacency with these cold hard facts. (5:00) How to know if that group disability insurance plan your work provides is really enough coverage. (7:31) Surprising reasons your work disability coverage could leave you living off half your income when you need the money the most. (8:01) Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)