by CreateTailwind

 

Most people are taught to think about money in terms of limits. Save enough. Spend less. Cut out coffee. Max out your 401(k) and cross your fingers that the market doesn’t crash the year you plan to retire. It’s a reactive, restrictive, and frankly, joyless approach to wealth.

And it’s built entirely on a scarcity mindset.

But what if we approached money from a different place? One rooted in abundance, creativity, and control? What if your financial system didn’t require you to shrink your life down to fit within it—but instead expanded alongside your vision?

That’s the power of Infinite Banking. But before we get to the mechanics, we need to talk about the mindset that makes the system work.

The Problem with the Old Model

We’re sold this linear life script:
Go to school.
Get a job.
Be loyal.
Save diligently.
Defer gratification for 40 years.
Then, slowly spend down your nest egg and hope it lasts.

That’s not wealth. That’s gambling—with your life.

It’s a system rooted in fear: fear of running out, fear of needing permission, fear of taking a misstep. It says money is finite, and your job is to cling to what you’ve got.

That model is not just outdated—it’s dangerous.

Because when you operate from scarcity, your creativity shuts down. You hoard instead of invest. You shrink instead of expand. You hesitate instead of move. And eventually, you end up outliving your savings or dying with regret.

The Alternative: Leading With Abundance

Now let’s flip it.

Abundance says: There’s always more where that came from—if you know how to create value. It’s not about reckless spending. It’s about confidence. It’s about stepping into the role of a builder, not just a saver.

Dr. James Doty, a neurosurgeon and Stanford professor, talks about the connection between heart coherence and creativity. When you operate from gratitude, compassion, and purpose, your brain literally becomes more receptive to new ideas. Solutions emerge. You think bigger.

Try it:

• Place your hand on your heart.
• Breathe in for four seconds, hold for four, exhale for six.
• Think of one thing you’re grateful for—and one way you want to serve today.

That simple act shifts your nervous system out of fear and into creation.

Scarcity says: “I hope I don’t run out.”
Abundance says: “How can I multiply what I already have and serve more people while I’m doing it?”

Infinite Banking: The System That Supports Abundance

Once your mindset shifts, you need a financial structure to match it. That’s where Infinite Banking comes in.

At its core, IBC is a system where you use a high-cash-value whole life insurance policy as your own private bank. You fund the policy. It grows tax-advantaged. You borrow against it to fund investments or opportunities—and all the while, your full cash value keeps compounding as if untouched.

In plain English?
You don’t have to choose between saving and spending.
You do both—at the same time.

• No bank approvals.
• No market volatility.
• No asking permission.

And because you’re recycling capital through your own system, you’re keeping the interest, the leverage, and the control.

Here’s why Infinite Banking works so well in an abundant framework:

Control

You decide when, why, and how you access your money. No credit checks. No delays. You move when opportunity knocks.

Capital Recycling

Instead of spending money once and losing it forever, you recycle it through assets that cash flow, then send the money back to your policy.

Leverage

As your policy grows, you gain the ability to fund bigger projects. Real estate. Businesses. Lending deals. All of them become accessible—not someday, but now.

Your policy is the chassis. Your cash-flowing assets are the engine.

Real World Application

A client of ours, Alicia, started funding a policy at $40,000/year. After four years, she had about $128,000 in cash value. She borrowed $90,000 to launch a short-term rental business—buying and furnishing a duplex in a busy tourist town.

Each unit brought in consistent bookings, generating $4,500/month in net income.

She repaid her policy loan at $2,000/month while reinvesting the rest.

• In under four years, the loan was paid off.
• Her policy kept compounding the entire time.
• The duplex appreciated.
• Her business scaled to a second property—all without ever using a traditional bank loan.

That’s abundance in motion. That’s momentum.

Planning Beyond Emergencies

Some think IBC is just for emergencies. It’s not.

It’s for buying real estate with speed.
It’s for investing in businesses you understand.
It’s for seizing opportunities while others hesitate.
It’s for creating new income—not waiting for old dollars to last.

Whether you’re preparing for a family, retirement, health event, or the next big deal, the power of Infinite Banking is that it supports the unknown with confidence.

Your system grows with you—year after year.

This isn’t just about financial returns. It’s about being able to say yes—to opportunity, to generosity, to impact.

It’s about replacing fear with action.

It’s about planting not one tree, but an orchard.

As Nelson Nash (the father of IBC and a forester by trade) used to say: “You don’t cut the tree down until it’s no longer producing.” Your policy is a tree that grows and produces fruit for the rest of your life—and for generations after.

The Shift Is Simple, Not Easy

So here’s what I encourage you to do:

• Ask yourself where you’re still dependent on banks or government plans.
• Educate yourself in the CreateTailwind community.
• Commit to funding your own banking system.
• Deploy capital into assets that produce income and multiply your impact.
• Review and repeat. Every year. Every cycle. Bigger and bolder.

This isn’t about hitting a number. It’s about building a system that never runs out.

Let others shrink their lives to fit their savings. You? You build a structure that keeps growing as you do.

Abundance isn’t a dream. It’s a decision. And Infinite Banking is the structure that supports it.

Let’s go.