Luke Tatum

Have you ever had a moment of revelation so profound that you couldn’t stop talking about it? That’s what the Infinite Banking Concept is for me. I went from casually interested to slightly obsessed in a few short years!   What is the Infinite Banking Concept? To regular readers of this blog, it’s nothing new. It’s using dividend-paying whole

People often contact me about whole life insurance as an investment. They want to see what the rate of return will be, compared to some other investment that they are considering. I want to be completely clear: I do not, have not, and will not sell whole life insurance as an investment. However, you can

There are lessons we all look back on and wish we had learned at an earlier age. One of those biggest pieces will always be the financial side of adulthood. Looking back, I wish they had taught me more about money and less about all the different kinds of triangles. For example, I am willing

Permanent life insurance products often build cash surrender value, and this is commonly simplified to “cash value.” Treatment of cash value varies from product to product, company to company, and from agent to agent. Whole life policies are highly customizable, and therefore the whole life cash value is also highly variable. I will show how

As any regular reader knows, this blog exists primarily to answer common questions about using whole life insurance as a platform for your wealth. This time, I want to tackle the big one: “How does a whole life policy work?” First, we’ll address the basic components. Once we have established a firm foundation, we can

Personal discipline is a rare find in 2022. Financial discipline is even rarer. People who voluntarily underwent enormous investments of time for their degree, career, and position have too frequently made a habit of spending every dollar they earn. They don’t know that they are giving up interest on those dollars forever. Or, if they

Perhaps the most common objection to using a dividend paying whole life insurance policy as a platform for your finances is this: “Why should I pay policy loan interest? It seems stupid to pay interest to use my own money! After all, if I just pay cash for everything, I don’t have to pay anyone

“What can I do to protect my family from a CBDC?” This is another question that people have been seeking guidance on recently. Today, I would like to provide a crash course on what a Central Bank Digital Currency is, what it may mean for our future, and offer some suggestions on steps you can