Infinite Banking Mastery

Hosted by Valerie LaRoque

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199

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Nov 2026

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About the show

Having a safe and secure retirement feels impossible today. With inflation, higher taxes, volatile stock, and property markets, it's overwhelming, isn't it? And the banks and government aren't going to help you. We all know this. That's the bad news. The good news? You can live a debt-free life and retire with a sizable nest egg. In fact, this is easy — so long as you don't rely on the government and the banks. Valerie LaRoque, your host, is an authorized IBC Practitioner (with the Nelson Nash Institute).. Listen to the Infinite Banking Mastery podcast where you will discover the power of the Infinite Banking Concept (IBC). Grow a tax-free pool of cash. Take full control over your financial future. And most importantly, build your legacy.

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60 recent

November 5, 202613 min

What if Something Happens to You Tomorrow? Are Your Documents in Order?

Now, I'm no attorney, but do you have a plan for who will legally manage your finances or medical care when you no longer can? In this episode, I break down the important documents you need—such as a Durable Power of Attorney, Living Will, and proper beneficiary forms—making sure your wishes are followed and your family isn't stuck in court sorting things out in a crisis. It's a checklist with action steps that can help you and your attorney lock in your estate plan before an emergency hits so you can protect your loved ones and grow your wealth with peace of mind! Listen now! Show highlights include: What your parents must do before you ever have to answer that call from the hospital. Because you have no automatic legal rights to cover them like they might think. (0:38) What's a Durable Power of Attorney for Finances? Learn why naming one before incapacity is critical and what failing to do that costs families. (2:02) Explore Healthcare Proxy, Living Will, and HIPAA authorization—the medical documents that ensure what you want for your life and medical information is done for you (and family unity) if you're incapacitated. (5:02) The power of your Will protecting your minor children and heirs if you're gone vs. the chaos of court-appointed guardianship and intestacy laws. (7:44) Digital legacy planning essentials to store so your heirs can access your online accounts. (10:31) Seven estate planning steps you can do tonight! (11:07) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

October 29, 202612 min

Should You Keep Funding Even if You Lose Your Job?

If you've ever lost a job or worried about how to keep your Whole Life policy if your income suddenly disappears, this episode is for you. I'll explain what happens to your coverage when your paycheck stops, why surrendering your policy should be one of your last cuts, and the smart options you have to retain your Whole Life policy using IBC instead of walking away. If you're facing tough times, remember the real purpose of insurance! Let's talk about how to stay protected and keep your financial strategy going. Listen now! Show highlights include: What to remember about your Whole Life policy and group coverage when you make financial decisions after job loss. (1:14) How my client lost her job this June and still paid her Whole Life premium thanks to Infinite Banking. (3:14) Why not ending a Whole Life policy in its early years is the right choice. (4:06) Did you know you could dial back flexible PUAs (depending on the company) to lower your premium costs in tough times? (6:06) How to use Whole Life dividends and policy loans to cover your base premium. Plus, discover an automatic loan provision your policy may have! (6:52) What I'll do with my Whole Life policies for living expenses during an emergency. (8:03) If needed, how to stop premium payments permanently and enjoy some benefits of a paid-up Whole Life policy. Does it have risks? Yes, learn more. (8:19) Is there a rider specific to job loss? And what the Waiver of Premium rider doesn't cover. (10:16) A reminder on the true long-term value of retaining a Whole Life policy designed for IBC. (11:13) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

October 22, 202613 min

Do You Have Unclaimed Property?

Does the idea of money with your name on it sitting in a government account sound too strange to be true? In this episode, I'm revealing the reality of unclaimed property—forgotten utility deposits, dormant college savings, and even retirement accounts that can end up swept into state funds. I'll show you how and why your assets might be turned over to the state, and the steps to find and reclaim them. Tune in and discover how a few minutes could uncover a lost treasure and take control of your financial future. Listen now! Show highlights include: What "unclaimed property" means with examples and facts about their set dormancy periods. And what your state does with unclaimed property. (0:39) Discover how many Americans have unclaimed property and the record dollar volume of such assets returned to their rightful owners in 2024. (2:43) How exactly does property end up unclaimed? See if these scenarios are relatable. (3:32) Did you know that companies could lose track of you and your funds could end up with a different company? Why it happened to my client. (4:05) Unclaimed property laws for retirement accounts and how they get flagged for abandonment, liquidated and taxable—and a cautionary tale from Ed Slott and Company on inherited IRA issues, with IRS rollover rules. (5:59) Step by step: how to locate and recover your unclaimed property—for free, right now, officially, safely—in Washington and other states! (9:20) Five simple vital action steps to protect your money from going unclaimed. (11:00) Would you like your escheatment story to be featured on the podcast? Here's how to let me know. (12:47) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

October 17, 202613 min

Teen Series Part 5 - How Banks Make Money

Today, I'm wrapping up our series on financial basics for teens and young adults. In this episode, I'm breaking down exactly how banks use your money to make money—and why that keeps you on the losing end. I'll show you how to turn the tables using the Infinite Banking Concept so you can keep your money working for you instead of making someone else rich. If you want the best saving and borrowing alternative to take control of your finances and build a strong foundation for you and your family, you're in the right place! Listen now! Show highlights include: How banks really use your deposits to generate profits and how fractional reserve banking allows banks to lend your money while holding only a fraction. (1:45) Learn the history of modern banking that began with goldsmiths. (4:48) The life-changing power of the Infinite Banking Concept that allows you to profit through your cash value in a Whole Life Insurance policy, using the banking model. (6:42) Think about how you might borrow from the bank to buy a car and what happens when you borrow from your Whole Life policy instead. (8:45) Discover the steps for structuring a Whole Life policy for a personal banking system using IBC. (9:36) The vital importance of nurturing financial curiosity in young people and helping them leverage time for compounding wealth. (11:36) Would you like me to help your teen or young adult get started with Infinite Banking? (11:59) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

October 8, 202613 min

Teen Series Part 4 - Whole Life Insurance is Not Just For When You Die

If you think Life Insurance is just about leaving something behind when you die, think again. In this fourth part of my series on teaching teens and young adults real financial skills, I'll show you how a Whole Life policy—especially when set up for Infinite Banking—lets you use your money while you're alive, with flexibility, liquidity, and tax advantages other retirement plans don't offer. You'll see why starting early matters and how you can give your kids a real head start. Make your money work on your terms at every stage of life! Listen now! Show highlights include: A big misconception about Life Insurance and why it's really about "life." But what really supercharges the power of Life Insurance? (1:49) What a meeting with Primerica in my early twenties made me realize about Life Insurance. (2:42) Discover the rider that saves your Life Insurance policy if you're too sick or hurt to work—even until retirement age. (4:13) The powerful access to death benefits while you're alive that Whole Life may allow. (5:09) Free Accelerated Death Benefit/Living Benefit Riders explained. Find out what qualifies for this financial help during life from your Life Insurance payout. (6:00) Why I say that Whole Life insurance is an asset, not an investment. (9:16) A refresher on the unique power of Whole Life's policy loans with self-repayment in the Infinite Banking Concept. (9:58) When to start future planning with Whole Life using IBC for your kids as a parent or grandparent. (12:00) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

October 1, 202615 min

Teen Series Part 3 - Two Primary Ways to Save Money Income Tax Free

Are you thinking about creating a truly tax-free retirement nest egg or helping your teen get started? Join me as I reveal the two ways to build income-tax-free savings: the Roth IRA and cash value Whole Life Insurance using the Infinite Banking Concept. Most people only know about one of these, but both have advantages and one clearly overtakes the other. I'll walk you through how each works, why taxes matter more than you think, and what I'm teaching my kids to help them start strong early—one of the biggest advantages any teen or young person can have. If you want to set your family on the path to lifetime financial security, this episode is for you. Listen now! Show highlights include: Understand the lifelong impact of taxes on savings, and why income-tax-free access matters for young earners. (1:40) How a tax free retirement account works and the annual contribution limit in 2026. (4:07) An important distinction between traditional Whole Life Insurance vs. Whole Life structured for the Infinite Banking Concept. (6:32) Discover exceptional tax-free benefits flowing from Whole Life Insurance using IBC that prove it's time to rethink its "old people policy" rap. (7:12) What's the investment risk of a market downturn? Find out how $1,000 in the market experiences upside vs. downside potential. (8:58) The reason I emphasize cash value Whole Life's "dual" living and death benefits to secure loved ones—and why starting young is the best path for your teen. (12:32) What I'll reveal next week that can change the entire trajectory of your teen's life using Whole Life. (13:44) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

September 24, 202612 min

Teen Series Part 2 - What Happens When Your Safety Net Runs Out?

This week, I'm continuing our series on teaching smart money habits to your teens and young adults. After I covered the basics, my own son asked what happens if your emergency fund runs out. Today, I'm giving you the straightforward answer: why credit cards won't save you, and why Long-Term Disability coverage is something you—and your kids—need to understand early. If you want real financial security, you need to protect your income, not just your savings. Let's get into what you should know, especially if you're just starting out. Listen now! Show highlights include: Why it's important to consider major crises that could go on for more than 4 or 5 months if you rely only on an emergency fund. (1:25) What happens when emergency savings run out? Because you may not have been warned about the 20-30% high-interest trap many turn to for survival that could rack up debt for years for you. (2:37) What teenagers need to understand about having an emergency fund in the absence of the financial advantage older adults have. (5:36) Learn about Long-Term Disability (LTD) Insurance that can provide the equivalent of a portion of your income for an extended period of illness or injury. Find out more in detail in the recent episodes. (6:09) Short-Term vs. Long-Term Disability coverage. (6:40) Why teach teens and young adults about LTD matters and the importance of income in all of their financial planning. (7:34) Promise to discuss in the next episode: the two main ways to save money tax-free for retirement! (11:29) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

September 17, 202612 min

How to teach your teens Part 1

Today, I'm starting a new series to help you teach the teens or young adults in your life real-world financial principles—and it all begins with building an emergency savings account. I'll share how I broke down these money basics for my own kids, why a financial cushion matters, and how you can help the next generation set solid saving habits from the start so that they can dream big with IBC! Whether you're just figuring this out yourself or guiding someone younger, this episode introduces how to build up a simple emergency fund on the path to financial peace of mind. Listen now! Show highlights include: Two core accounts every teen should save in—and a third that already funds a Whole Life policy for my friend's daughter in her early 20s! (2:40) Can most Americans handle a $1,000 surprise expense without getting into debt? Why this reveals the need to cultivate saving in reluctant teens. (3:43) What an emergency fund is (and what it's not), and how to calculate the correct minimum target for one. (4:23) Explain to your young person these real-life applications of emergency funds. (5:53) Discover the best account type for an emergency fund. But can it be invested in the stock market? Why not put it directly into a Whole Life policy? (7:19) Practical ways a teenager can fund an emergency reserve. And how can automating funding with paychecks help young people reach savings goals? (9:04) Find out what my son asked about the limits of an emergency fund that your child will also ask you. I'll explain the answer in the next episode. (10:17) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

September 10, 202619 min

Encore: Should I Own Whole Life on My Children?

This is an encore episode of Should I Own Whole Life on My Children?, originally aired on June 1, 2023. Time is your child's greatest asset. Especially when we're talking about investing. The reason? Compounding interest. The earlier your child starts investing, the greater the power of compounding interest. And that's where the REAL power of a whole life insurance policy comes into play. So, whenever a client asks me, "should I own whole life insurance for my child?", my answer is always… Yes! I couldn't think of a better gift for your child than the asset of whole life insurance. And in today's episode, you'll discover why owning whole life insurance for your child is the greatest decision you'll ever make. Listen now! Show Highlights Include: Why taking out a policy on your 15 day old child will set them up for an avalanche of compounding interest by the time they're 40 (1:39) How to send your kids to college with a Whole Life Insurance Policy (works even if it seems impossible right now) (2:22) The simple way for your children to automatically inherit ownership of their policy (and doesn't involve you lifting a finger) (3:55) Why "The Gerber Plan" — a savings plan that promotes college for your child for as little as $4 a day — will fall short of the cost of college tuition (by a lot!) (4:35) How to lock in 4% interest rates for your child's college tuition (guaranteed for the rest of your life) (7:13) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

September 3, 202611 min

Encore: Flowing Your Money Like Banks Do

This is an encore episode of Flowing Your Money Like Banks Do, originally aired on May 25, 2023. The banks receive massive paydays by collecting interest off of YOUR savings. Here's how: Banks don't let the money you give them sit there. They loan it out as fast as they can, marking it up with interest, and selling it back to us in the form of car loans, mortgages, business loans, etc. They do all this because they make a much higher profit by keeping the money in motion, rather than letting it sit. Worst part? They tell us to let our money sit — so they can profit off of us and our savings! Sounds like a lose-lose to me. But here's the good news: With a whole life insurance policy, you can stop relying on the banks. In essence, you can become your own bank. And when you do this, you're in complete control. Here's how: You get guaranteed growth / return on investment (and we're not talking under 1% like you get in savings accounts) You have the ability to access your savings income — tax and penalty free — whenever you want And you can borrow against the full amount of your savings (without risk of a margin call) — rather than withdrawing your money. Allowing your savings to continue to snowball and grow! Sounds pretty good, right? Well, in today's episode, you'll discover the exact method the banks use to make massive paydays off of your savings (and how you can reverse this scam for yourself.) Listen now! Show Highlights Include: How to utilize the exact method banks use to increase their wealth (and no it's got nothing to do with investing in the stock market or giving out loans to other people) (0:45) Think earning a 10 or 12% interest on the stock market is great? Here's how the banks are blitzing past that figure by keeping their money in motion (4:05) Do you have the courage to capture as much earning power of your dollars as you can possibly handle — and never rely on the banks again? (6:56) 4 ways you can transform your whole life insurance policy into a well oiled, money-making savings machine (8:17) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)