E127: Crush The 5 Things Holding You Back From Financial Success
In this episode, we discuss the five human natures that limit our ability to succeed financially. These impact us when it comes to the Infinite Banking Concept especially.
- How Nelson Nash described the five human natured holdings you back
- Understanding Parkinson’s Law
- how expenses tend to rise to match income
- when luxuries become necessities
- Using the concept of opportunity cost to make wise decisions
- Seeing the default option is often the worst option for you
- How traditional financial products set you up for more taxes than you realize
- When control of your money is an illusion
- Understanding Sutton’s Law
- Knowing when you’re making the rules and when you are playing by someone else’s
- The arrival syndrome and now it impacts your wealth
- What use it or lose it means when it comes to your money and how to make your money move
- How paying yourself first eliminates many of the sneaky rats eating up your finances
- Gain access to our Secret Banking Masterclass now FREE to listeners of the podcast here now
- What is the Willie Sutton Rule?
- What is Infinite Banking
- Infinite Banking Glossary of Terms
- Who was Nelson Nash?
- CREDIT: Episode art background photo by Xan Griffin
Podcast Transcript: E127 – Crush The 5 Things Holding You Back From Financial Success
Living Wealth Podcast
Nate: In this episode, we discuss the five human problems that exist as part of our nature that limit our ability to be successful financially, especially when it comes to the infinite banking concept. She’s Holly and she helps people find financial freedom.
Holly: He’s Nate. He makes sense out of money. This is Dollars and Nonsense: If You Follow the Herd, You Will Be Slaughtered.
Nate: All right. So, we spend a lot of time on our show discussing various financial concepts, especially infinite banking and different strategies that you can use. We’re promoting them based on more technical aspects of the concept, whether we’re promoting infinite banking or we’re giving warning signs to do this, or we’re promoting this. Whatever it is, it’s typically done with kind of a technical aspect. We haven’t spent a ton of time, I’m sure we’ve spent some time, we haven’t spent a ton of time though dealing with human problems.
What is it in us that make it difficult to be successful financially? And our mentor, Holly and I, Nelson Nash, who wrote the book Becoming Your own Banker that really created and showed the world what the infinite banking concept really was. He has written in his book five things that he identified as part of this human nature issues that we all have to deal with in life, whether we’ve acknowledged it or not, that are going to impact our ability to be successful. And all five of them not only exist outside of infinite banking, but they also will really impact your ability to practice the infinite banking concept well.
So, we wanted to dive in and discuss some of these today, Holly. Some of these five human problems that Nelson Nash identified that we all are just dealing with.
Holly: And I think once you hear the human problems, you will… I know for me personally, Nate, I can say every one of these problems, at some point, we’ve probably hit or dealt with in our own life or our journey in the infinite banking concept.
But one of the keys is actually admitting you have the problem and then what can you do or implement to overcome that issue or problem. Because if you really can’t overcome it, in reality, long-term you probably won’t be able to really implement the infinite banking concept in your life if you don’t deal with the human side of it.
And the first one is really common, but we don’t actually think of it that much, which is Parkinson’s law. And I’ll let you define Parkinson’s law if you want, but it’s a booger in our life.
Nate: Yeah, Parkinson’s law is probably the one that everyone deals with, and we probably acknowledged it to some degree. And that is the first one that Nelson Nash brings up.
By the way, before I even just dive in these five human problems, many of them, they exist, whether you realize it or not, but some of them are going to point us to infinite banking. In other words, Nelson has put these in there to say, “Hey, this is a problem, and infinite making can help solve that.” But then some of these problems are going to keep us from succeeding with IBC until we deal with them.
So, Parkinson’s law is one of those. It’s kind of both. Parkinson’s law points us to practice IBC, but it’s also probably the biggest issue of being successful at IBC, and it’s simple. A man named Northcote Parkinson wrote this book, it’s called Parkinson’s Law, and in that book he stated a couple truths to human nature, and we all relate to this.
The first truth is that work always expands to time allowed. It’s very true in our lives. If you give yourself a week to do something, you’ll get it done near the end of the week. But if you had one day to do it, you fight to get it done today. So, work always expands time allowed. But the other thing, he mentioned, is that expenses tend to rise to match income. Expenses tend to rise to match the income. So, as your income goes up, your expenses also tend to increase. And that’s a subconscious thing. We’re going to delve into that too.
And the third thing mentioned in Parkinson’s Law is that once they luxury is enjoyed, it soon becomes a necessity. That once we start to experience something that we enjoy, it’s very hard to go back to the old way of living life. In other words, no one’s buying cars without air conditioning anymore. I mean, what was once a luxury has now become a necessity.
My wife and I, just the hotels we like to stay at have changed as we’ve gotten older. When you’re young and you’re 18, 19 20, and you want to go stay in a hotel, really any old thing will do. We’re not that picky. In fact, we didn’t have a lot of money to be able to go spend on something nicer, but nowadays we don’t really want to go spend a night in some of the places we used to be totally fine with because we’ve experienced the luxury, and soon it becomes a necessity. Three things there. Holly, I think the one that probably impacts us the most financially is just the truth that expenses rise to match income.
Holly: It’s 100% true, but even think about the fact that when you’re younger or you’re just starting out, typically in a job that you’re just starting out, I can remember, I don’t have money to go get a coffee every day, right? So, you make your coffee. But as your income increases or you get promoted up, then maybe that stop at the coffee shop every day isn’t so hard to justify anymore. But four or five years ago, you’d never be doing that.
I say that because I make my own coffee every day, but for a while there, I had no problem. And I will be the first to be honest that if there was a coffee shop along the way to or from work or taking my kids to school or this or that, I was the first one that I was going to stop and get myself a coffee.
Nate: Yeah, exactly. And you don’t have to ruin your life dealing with Parkinson’s law either. It’s fine to enjoy the fruit of your labor. But really where this comes in is that if you can’t figure out a way to live on less than you make, it really doesn’t matter if you’re practicing infinite banking or doing anything. You just will not be successful financially.
The only way to become a good infinite banker is to live on less than you make. And I know that’s not rocket science. I think we all agree with that. It’s just harder to do because human nature points us in a different direction. Our nature tends to point us to increase expenses as our income goes up. So, the goal for us is, as our income grows, it’s not just to go blow it on new things. One thing I noticed for myself is that there are some things that I can spend money on that have a very marginal impact in my overall quality of life. And there’s other things I can spend money on that have a great impact on my quality of life.
And so I think for everybody, you need to identify those types of things. Not that you can’t ever spend a dime, but just understand that as life goes on and as your income goes up, it’s easier to spend more and more money, but is it actually making anything better in your life? Are you more pleased with life? Are you happier?
In other words, we could go do this and that and go buy the bigger house, do this, but is it really going to impact much? Or are you just trying to keep up with the Joneses or spend money because you have it? If you struggled saving money and you can’t figure out a way to live on less than you make, this is not the thing for you. Before you start infinite banking, you ought to figure out a way to conquer Parkinson’s law, to figure out how to reduce expenses so that your income is greater than expenses.
And one more thing before we go, I guess I’ll ask this. This issue, Parkinson’s Law can impact your ability to practice IBC successfully because if you get started and you have a spending problem, infinite banking is not going to save you. But I guess on the other side of things, how does practicing infinite banking help protect you or help you overcome Parkinson’s Law?
Holly: I’m going to say that the bottom line is because you teach yourself to put the money in your policy, but one of the rules, you have to pay yourself back that money. If you take the money out, you have to put it back in. It kind of breaks Parkinson’s law. You start asking yourself, “Do I really want that? And is it worth the money of what I’m going to pay back?” Right?
Nate: Infinite banking is a system, not a problem in and of itself. So, just the fact that you got to start with infinite banking, it used to be maybe you had some cash, you’d go buy a new car with it, but there was no structure. There’s no understanding of the opportunity cost you’re missing out on. We just spent money. And with infinite banking, we actually realize the real cost of what we’re doing. And we also have a way to get it back without… In other words, we’re not just blowing money as often anymore. We’re recapturing money.
So, I do think that the Parkinson’s law can hurt your ability to practice it. But just by the fact that you chose to do infinite banking can help you overcome this and become more successful financially. That’s good.
Holly: That really leads us into what Nelson said was the second human problem, kind of. It’s Willie Sutton’s kind of law, if you want to say. He was a bank robber and they asked him, why did he rob banks? He said, “Because they have the money.”
Nate: That’s where all the money is.
Holly: What he was saying is, “Wherever wealth is accumulated, someone will try to steal it from you.” So, if you’re accumulating wealth, someone is going to try and steal it from you whether we realize who or what entity that is, is the hardest part because you and I both know the IRS is always trying to find ways to take our money.
Nate: Yeah. The government loves our money. Yeah, I love Willie Sutton’s law.
Holly: I do.
Nate: It’s an awesome answer to a question. Why did you always steal banks? That’s where they keep the money. But it exposes something that is very true in human nature and society as a whole. And we see our country doing this more and more today, where anybody who has money is evil and we ought to take some of their money, so we can go give it to these people or do this with it, “They don’t need all that money.”
It is just something within human nature to look at where money is being stored and for us to figure out how can we get our hands on that guy’s money. And government is number one. They’re the guiltiest party in there, especially the left-leaning government officials. They look at everyone who’s got money and they say, “Wherever wealth is accumulated, let’s go try to take it.” We’re all dealing with this, we’re all doing it. So, the question is, how can we insulate ourselves as much as possible from government confiscation of your wealth? They’re the number one stealer of money in our country is the IRS. We were the ones producing all this value and they take the money that comes from it, and they’re never satisfied with enough.
So, one thing we love about the infinite banking concept and the use of whole life insurance policies is that it does insulate us from this huge issue on the government side of things, because the policies grow tax free and can be used tax free at any time. So, it’s very difficult, and it’s been around since before the tax code existed, the 401k, the IRS, those are actually products of the tax code. They only exist because the tax code has information about them.
But life insurance has been around from before the tax code was created in 1913, it’s been around for a long time. All that to say it is a great way, one of the best tools we know of, to accumulate money that can’t be stolen. You go put money in a 401k and it’s growing inside there, and you see this big old number. The problem is when it comes to retirement time and you’re willing to start distributing that money, you actually don’t have any idea, as you look into the future, how much of that pool of money is going to be yours and how much of it’s going to have to go to Uncle Sam.
We don’t know what tax rates are going to be in the future. So, anytime you accumulate money, a big pile of money, and you’ve given permission to the government by accumulating it there, if you give them permission, to the government, to decide sometime in the future how much of that they’re going to steal. Very dangerous to live your life based on that premise.
Holly: And you’re also losing control of your money. Willy Sutton’s law, “The banks had the money,” so he would go and steal it, we really want to keep as much control of our money as well. And when we put it into 401ks or the financial industry that’s trying to make you or have you store as much money there as possible, you’ve just allowed it to leave your hands and you have no control over it anymore.
Nate: Absolutely. And it’s not even the government. The government is just the primary guilty party. Because if you’ve been around the financial world long enough, you know that all of these financial institutions are trying to take your money.
Holly: Exactly. And you see it a lot on TV, Nate. Think of all the ads of retirement stuff going on, all these places to park and put your money. There’s never been in my opinion, a bigger push than even right now of, “Put your money somewhere safe in our hands.”
Nate: Exactly. Then they hit you with these hidden fees and costs. I mean, really the whole point of them saying, “Come put your money with me,” so that they can take some of it. They want their hands on your money so they can receive some sort of compensation for it.
With the banks, it’s kind of the reverse. There’s a lot of fees at the banking world, but they also do have free checking accounts, and those are kind of gone by the wayside actually. But I mean, they’re still here as of right now, but how do they give it to you for free? That’s because they don’t steal money out of the account, necessarily. They just go put it to work and give you nothing in return. Your money’s out at work, and these loans they’ve made and they get to keep all the money.
Everyone in the financial industry is trying to get their hands on your money to profit themselves. Or, you look in the IRS, it’s just anytime someone’s got money, human nature says, “I’d like to try to get my hands on some of that guy’s money in one way or another,” which is why we love life insurance, especially issued by mutual life insurance companies, because you are the owner of the company. Every time we buy a policy, you’re putting money into it, the company’s whole mode of existence is not to make money off of you. It’s to make money for you because you are owner of the company.
The whole reason a mutual life insurance company exists is to profit policy holders. They’re the only owners. Not only does it insulate you from the taxation, the effect of taxation on future games because of Willie Sutton’s law, but also can insulate you from greedy institutions that you don’t own that are just trying to use you to make a profit for someone else, which is not the case in the mutual life insurance company. So, this can help insulate us from this flaw inside of human nature.
Holly: There is part of the life insurance industry that basically was created because people were using it to control their wealth and to be able to kind of store their money in it to an extent, or it was a way to really put after-tax dollars to use, kind of.
And so we have what’s called the IRS, came in and said, “Okay, now we’re going to do, what’s called a MEC limit, modified endowment contract. If you put too much cash in, now you get taxed on the life insurance policy.” Not that you should be worried about that because the way the policies are designed, they’re designed not to become MECs or not to be a MEC, but it’s just one other way the wealthy and our government came in and said, “This is one way we might be able to tax you on-” [crosstalk 00:16:15].
Nate: Yeah, we got too many people building too much money tax-free inside this. We got to- [crosstalk 00:16:20].
Holly: We got to put some limits on this growth.
Nate: Proving the Willie Sutton’s law that anywhere people are trying to accumulate money, someone else is going to try to come steal it or limit it or control it. And that guy is normally the government. Yeah, that is exactly right. That’s why we have these MEC rules. Why we have to design policies in certain ways, we can’t do in other ways, and so forth. It’s all due to Willie Sutton’s law.
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Nate: Third rule is the golden rule, and we all know the golden rule, right? Those who have the gold make the rules. Maybe a little bit different than Jesus’s golden role, but true nonetheless.
Holly: You have the money, you make the rules. And what we don’t realize is when you have no money, you have to jump through their hoops to get it, or you might have money, but you might want to use the bank’s money because it’s so cheap right now, right? You might not want to tie up your money somewhere else.
And I say that personally because in buying a new home and wanting to use the bank’s money, it got to a point where, Nate, honestly, if we did not have the infinite banking concept and we didn’t have a place to actually accumulate our wealth and store it, we wouldn’t be in our home because we weren’t willing to jump through, and I mean, hoops upon hoops to finance the house and use the bank’s money.
We literally ended up being able to say, “Fine, we won’t use your money. We’re going to use our infinite banking concept, our money that’s stored in our policies that we can control, and we’re just going to pay cash, basically, for the home.”
Nate: You were able to do that because you had the gold, yeah.
Holly: We had the gold because we could do it.
Nate: You had the option to do that. Yeah. I mean, we’re not practicing infinite banking, there’s really no… When it got close to closing, and you probably know more than I do, you don’t have to go into all the details, but it’s a good [crosstalk 00:19:30].
Holly: We wouldn’t have closed, Nate. We wouldn’t have closed the house.
Nate: You wouldn’t have been able to close because the bank kept on adding additional hoops to jump through additional things they needed. And it was drawing so close to the closing time and they had some final things that they needed or that it was going to go south. And finally, you and Ray as well, and the family banking system said, “Well, we don’t need you guys. We have the gold. We wanted your money because it was so cheap and we thought we could utilize it. But now we have the gold. We get to make the rules.” If you weren’t in that situation, you would have had to fall prey to whatever they… You may just not have been able to move. It would have been a life-altering thing-
Holly: We wouldn’t have moved. I think, Nate, the honest answer is we wouldn’t have moved, that we’d still be in our other house going, “Great. What do we do now?” Not because of bad planning either. I really think it comes down to when you have the money or the ability to be able to control those rules or dictate them to an extent you don’t feel so like your hands are tied, like you have no other options or no other choice.
Nate: Yeah, most Americans don’t- [crosstalk 00:20:36].
Holly: There was never a moment of doubt or a lack of hope in what could happen or how we could move forward. But if we hadn’t had the money or been able to make our own rules, and I really say IBC in general, we wouldn’t have been able to do that. I think we would have just felt hopeless and given up and stuck with where we were at. We would have just been dealt that blow.
And I think there’s so many of us that feel like our hands are tied, we have no choice or we have no options or we have no other avenue. And I think that the golden rule, when you’ve applied it, and you really are using the… And I say the infinite banking system, because this is one of the things that really implements that banking system and allows you the ability to control your money and determine where and how it’s used.
Nate: Absolutely. Well, I mean, the golden rule is something that Americans, we don’t really acknowledge too much, I don’t think. It’s one of those kinds of sneakier ones that we don’t really realize the way life could be if we actually had a big pile of money that we were in total control of.
And the reason we don’t really realize what we’re missing out on is because everyone else is just doing the normal things, which most people are broke. And then if you’re not broke, most of us are taught in the herd mentality to build our money inside of retirement programs, let’s say. And that money, there’s a gate holder there, there’s a portal you have to go through with a gatekeeper and you can’t just get it for whatever you want to get it for. Sometimes you may have a whole bunch of money and they literally won’t even let you take it out.
And sometimes you can get it out, and then you got to pay exorbitant taxes and penalties to be able to pull it out. You may think you have gold, but you don’t. You don’t make any of the rules because you’re not in charge of the gold. Someone else is really in charge of it and you’ve left it there. And they’re the ones dictating what you can do and what you can’t do.
The golden rule is a huge issue that we’re trying to solve with infinite banking, which is really when you have enough money in policies to run your life and really be able to purchase practically anything you want to purchase, that is a form of financial freedom, that you don’t ever have to get approval from somebody else to do anything you want to do. The self-sustainability, we love that about it.
And on top of that, with the golden rule, building up money inside of policies, opportunities abound to people who have gold. If you have money built up, opportunities hunt you down to put it to use. And your own mind can be thinking of different things to do whenever you actually have the gold. So, all that to say the golden rule is a crucial thing that points us to infinite banking, being in charge of a big pool of money so that you can write the rules and create something financially that you couldn’t do if everyone else was in charge. Anything last time, the golden rule?
Holly: We said with Willie Sutton, but just be aware that if you put your money in the wrong system, that you were not in control of that money, then you were not practicing the golden rule. You still have all the hoops to jump through or to get to or to access it or you can’t at all.
Nate: It’s a good point. Absolutely. So, it’s not just having gold. It’s actually where it’s at.
Holly: Yeah, where it resides.
Nate: Where it resides is just as important as having it. So, we’ve got two left. I think this will be short. We’re almost done. This fourth one, Nelson Nash referred to as the arrival syndrome. This idea that, “I have arrived in knowledge. I know everything I need to know in this realm, and so I don’t have anything new to learn.” And this is a big human problem. It happens financially where people come to some sort of rash judgment about something before they actually understand it, or based on some sort of story they’ve heard. I think we’ll talk a little bit of how this applies in the infinite baking world. I’m sure you can already tell, if you’re listening, that a lot of people come into, IBC with the arrival syndrome.
“Oh, I already know what whole life insurance is. I already know this. I know that because this guy told me and so forth.” When you don’t know, you just have no idea and it cripples you, but it cripples you areas in life. So, just having this problem in us, that based on our past experience, past problems, we happened to know things. It makes us push against new information. We don’t like new information. We like preexisting notions, pre-existing ideas that we already had decided.
And this is a huge issue when it comes to infinite banking. Because if you come into it thinking, “I’ve watched a 30-minute YouTube video, so I know everything about infinite banking,” you’re wrong. You have the arrival syndrome. You think you’ve arrived in knowledge and you will never be able to… You don’t have a teachable spirit. You’ll never be able to learn what you actually need to know to practice this well.
Holly: Personally, I’m 15 years in with infinite banking, and I am still learning and growing every single day. There’s something new or some other concept or way you can use it.
I think to have the belief that you’ve ever arrived means we’ve stopped growing as a person and as an individual, that there’s nothing somebody else can’t teach us or show us. And I think that’s why Nelson said it’s such a human problem, because if you have that belief, then it doesn’t matter what anybody says to you. You don’t believe there’s anything else you need to know or learn.
Nate: And don’t take your advice from people who have the arrival syndrome. Sometimes I’ll speak to a client and he’ll be so excited about [inaudible 00:26:13] talk to a buddy who will then say a whole bunch of things. And it’s just totally… Everything he said is completely wrong or misguided or misunderstood because the guy does not know infinite banking, but he’s so confident in his arrival syndrome. He’s so confident that he’s arrived in knowledge, that he pokes questions.
And essentially, you can sense when an individual has the arrival syndrome, when they think they’re a know-it-all. Nobody really likes a know-it-all. Sometimes they’ll ask people that because they’re confident and we’re looking for some confident guy to tell us what to do. I understand that, especially in a world that’s new to us, but if you go get your advice from people who suffer from the arrival syndrome and who think they know everything there is to know with very little actual research or investigation, you’re going to get misguided.
And that’s why Holly and I were quick to say with us, we don’t even have the arrival syndrome when it comes to infinite banking. We don’t come into this thinking we know everything about it. We know a lot about it. We certainly know far more than we need to trust this, but we’ve learned so much in the last 10 years, and we’re constantly growing. Not only in the world of infinite banking, but just our understanding of how to work with policies, as it relates to other financial instruments.
So, the arrival syndrome is something you’ve got to kick to the curb, get over yourself, understand that maybe someone else knows something that you don’t know yet, and that you could learn from them. Don’t be naive, but also don’t come in thinking that you know everything and that you’ll figure it out all on your own. You probably can’t. The arrival syndrome is very deadly when you’re investigating and learning about infinite banking, just to assume that after a few YouTube videos, you’ve got everything you need to know. Pretty dangerous.
And the last one here, right before we wrap up, and this one I think is probably the most important one when it comes to being successful with infinite banking. And Nelson Nash coined this as being, “Use it or lose it.” Use it or lose it. That if you don’t actually do this thing, it won’t mean anything to you. And that’s not the case just with infinite banking. I find that the case in many areas of life, that you can learn something new, you can like what you heard about it, you can think it’s a great idea, but never actually put it into practice. And it means nothing.
Jesus, when he taught, he essentially taught the use it or lose it principle. He says, “Anyone who hears my words and doesn’t do them is like a man who builds his house on the sand, and the storm comes and the house gets washed away. But anyone who hears my words and does them as like someone who’s built their life on the rock, and the storm’s coming and they stand strong the entire time.”
Essentially what I’m getting at is, he’s saying, “It’s one thing to hear about infinite banking, or even to own a policy and think that you’re doing something awesome, but yet you actually are not using it.” So, you have to put whatever you’ve learned into practice in your life for it to have an effect.
Holly: Yeah, you can’t just buy the policy or you can’t just purchase something and do nothing with it. Understanding something, even owning the products such as life insurance or an infinite banking policy, and doing nothing with it or not following the principles is not actually using it. And eventually you could lose it because you haven’t actually implemented the process.
Nate: Yeah. And really, infinite banking is meant to be a way of life. So, if you come into it and you choose to make it your mode of operandus, your way of life, is in this concept. And take some time. You may not start there, but if you don’t grow with it and make it a way of life, a big part of what you do, you will end up just owning a life insurance policy, which could be worse. However, if you don’t use it, you’ll lose it. It won’t impact you nearly what it was meant to do.
That’s just the human problem that we think when we understand something, that we’re doing that thing. I know in my own life, especially in my own faith, that’s very common. I think if I understand something about faith in God, trusting in the Lord, or if I just understand a concept, that I’m better off, but it actually doesn’t matter if you understand it. What matters is if you actually do it. And that’s the case in everything, especially in the world of infinite banking. Understanding it is great. It comes first, but doing it, putting into practice is the next step you’ve got to do to be successful.
So, those five. We’ve got Parkinson’s law, we’ve got Willie Sutton’s law, we’ve got the golden rule. We’ve got the arrival syndrome, use it or lose it. If you want to delve a little deeper into this, you can actually buy a copy of Nelson Nash’s book. You can go on like Amazon and purchase it. But he’s the one who really created the infinite banking concept. We encourage everyone to read his book. You can get more information on these five in his book, along with many other things. We do encourage you to read it. And if you own it and haven’t read it in a while, go ahead and reread it again. Refresh yourself.
Oh, this was fun. We hope to see you in a couple of weeks when we’re back on the show. This has been Dollars and Nonsense: If You Follow the Herd, You Will Get Slaughtered.
Holly: For free transcripts and resources, please visit LivingWealth.com/E127.
Announcer: Dollars and Nonsense podcast listeners, one more thing before you go. Ease your worry and start your journey towards security today. Visit Livingwealth.com/secretbanking. You’ll gain instant free access to the special one-hour course Holly and Nate made for you. Again, that’s Livingwealth.com/secretbanking.
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