I want to help as many people become financially independent as possible. Stop loosing your money to the bank. This is a strategy that has been around for a very long time using a vehicle that has been around for over 100 years.

1. The Benefits of Financing
Yourself!
The “Why” and “How” of
Incorporating Private Financing
Family - Small Business - Organization

2. “The issue which has swept down the centuries
and which will have to be fought sooner or later
is the people versus the banks.”
Lord Acton
English Historian, 1834-1902

3. "Banks lend by creating credit. They create
the means of payment out of nothing."
Ralph M. Hawtrey
Former Secretary of British Treasury, 1879-1975

4. You will either own your own bank, or, you will
be the customer of someone else’s bank.
You cannot take banking out of the equation.
-R. Nelson Nash

5. How banks make money
Paying and earning interest and how
money moves

6. How Banks Work
Example: $100,000 deposit and loan
Depositor Borrower
$2,000 $8,000
Interest a bank Interest a bank
pays to earns on loans or
depositors investment grade
$6,000 bonds
Bank
Loans out depositor’s money charging greater
interest to borrower, keeping the difference.

7. How Banks Work
The Three Players
Unfortunately, most people are either the:
Depositor Borrower
Bank
Learn how to Recapture,
Reuse and Recycle Your
Money!

8. How do you use your local bank?
Deposit money and the bank pays you interest
• Checking / day-to-day operations
• Savings $ Deposit $
• CD's
% Interest %
Borrow money and you pay the bank interest
• Auto Loans
$ Loan $ • Business Loans
• Credit Cards
% Interest %
• Home Equity Loans
Most Americans spend 24% - 34% of every disposable dollar in interest

9. Why do investors start banks?
0% - 2% 6% - 8%
Interest a bank Interest a bank
pays to earns on loans or
depositors investment grade
bonds
Banks are a proven investment that gives fair returns with little risk
• For every $1 deposited they can loan out $10
• The spread is used to fund operations and create earnings for
shareholders

10. There is tremendous money in banking
• Banks make, on average, between 200%-400% on
YOUR money, through fractional reserve lending (1
to 15 leverage)
• That includes overdraft charges and miscellaneous
account costs and fees.

11. We finance everything that we buy…
1You either use
someone else’s
money
2 You pay cash
=
Lost Opportunity Cost

12. The way you finance your life always
impacts your wealth.
For better…
…or for worse.
Every financial decision we make, impacts every other
financial decision. They are all tied together.

13. Capital is a responsibility and should be treated
with great respect.
You must also respect the concept of
ECONOMIC VALUE ADDED
+++
The continued profitability of your business could
depend upon it….

14. Those who recognize that their own capital has a
cost, have a system in place to RECOVER that cost.
%%%
Most of us spend our entire lives focusing on Rate of
Return.
Instead, we should be focusing on wealth
transference….interest charges, taxes, inflation, and
other associated costs and fees.

15. Directing Interest Payments
Banking is about redirecting interest payments that you
would normally make to a lending institution, to an entity that
you own and control.
And starting
your own
financing
strategy permits
you to move
income off of the
tax rolls,
forever…

16. If, over your lifetime, you could redirect
$250,000 of interest payments away from the
Wells Fargo and Chase banks of the world…
and deposit that money into your personal
financing system…
Would that inspire and motivate you to explore
the opportunities that this strategy offers?

17. Do you understand Interest?
“Those who understand interest earn it.
Those who don’t pay it. …be the bank.”
Robert Kiyosaki
Author, Rich Dad Poor Dad

18. Your last loan….
• When was the last time you had to take a loan from the
bank?
• How much did you need to borrow?
• What was the Interest Rate?
• How much paper work did you have to fill out?
• How long did you have to pay it back?
• What happens if you miss a payment or two?

19. Creating your own financing
option
What would it mean to you?

20. Welcome Home to the Benefits of
“Private Financing Strategies”
You will learn:
• Financial literacy 1st National of You
• The importance of liquidity, use and control of
your money
• How to think and act like a banker
• How to recapture money that was unknowingly or
unnecessarily being lost
Most Americans Wealth Creators
borrow because borrow because
they have to… they want to…

21. Your own alternative?
If you had your own banking system you could:
• Stop the transfer of your wealth to banks and finance
companies
• Capture some of the profits currently made at your local
bank
And enjoy…
• Increased wealth
• Asset protection
• Tax advantages
• Use and control of your money, and liquidity

22. If you owned your own bank, how much money would you
want to have flow through your banking system?
Money In Money Out
Over time, the efficiencies associated with operating your
banking system create:
– Guaranteed tax-free retirement income
– Tax-free death benefit
– Creditor protection, and
– 25+ additional benefits

23. What if you:
• Controlled the interest rate?
• Determined the payment schedule?
• Borrowed because it actually made your retirement
better and bigger?
• Recaptured the principle and interest instead of giving
it to financial institutions?
• Grew your capital on a tax free basis?
• Had total asset protection?
• Could reduce your tax liability?
• Could provide for your family for generations to come?

24. Creating Your
Personal Banking System
“Financing” as a
Wealth Creation Strategy

25. “Everyone should have two businesses – the one
that gives them a paycheck and the banking
business.”
R. Nelson Nash
Author of the bestselling book -
“Becoming Your Own Banker - The Infinite Banking Concept”

26. Your Own Personal Banking System
The Capitalization
Phase
Be patient &
Trust in the process
How long will it take to build up your bank?
You can begin borrowing from your bank within 30 days
In approximately five to seven
years the cash value of the policy will equal the amount of your deposits

27. Your Own Personal Banking System
Those who embrace this concept will profit for generations to
come…
The good news is that the infrastructure for your Personal
Banking System already exists, and has for more than 200
years…
…but very few people know about it.

28. Your Own Personal Banking System
The Capitalization
Phase
Be patient &
Trust in the process
Where will the money come from?
• You can transfer assets from existing assets, savings, CD's,
investments
• You can re-direct current savings 40Ik's, savings accounts
• You can use substantially equal periodic payments from IRA's

29. What would you need?
Capital
&
A place to keep it
• That has growth potential
1st National of You
• Allows you advantaged access
• That offers some protections

30. How To Create Your Infinite Banking System
You will fund a dividend paying whole life insurance
policy up to the MEC limit. The policy will be from a
mutual life insurance company on an individual who
you have an insurable interest (including yourself)
WHY?
A mutual life insurance company is already set up like a
bank. It can perform all the activities of a bank except
for checking accounts.

31. A dividend paying whole life policy will
– Hold your deposits
– Pay you interest on your cash values
– Loan money to yourself or others
– Pay dividends on the earnings of the life insurance company
Additional benefits:
– Tax advantaged growth
– Asset protection
– Death benefit

32. The Platform
Your life
insurance Whole Life
Insurance Plan
policy acts as a
Cash Value PAYROLL
warehouse. INVENTORY
Until you need
1 Capitalization
2 Finance Yourself HEALTH CARE
VEHICLES
to use those It’s only limited by
imagination…
funds to
finance your And your willingness to
next purchase. employ your personal
banking system.

33. The Platform
Whole Life
Insurance Plan
Cash Value
The costs associated with
1 Capitalization
2 Finance Yourself financing these items become
deductible to your company…
Pay Yourself Back
3 And, ultimately shift income
from your company to your
personal accounts.
• 1099 interest income, but
Pay Interest
4 no FICA or FUTA

34. The Platform
How to make your transition to banking easy, transparent, and
affordable:
Whole Life Insurance Plan
From a dividend-paying, mutual Life Insurance company
No:
• Buildings
• Staff
• Financial oversight
• Government regulation
• Compliance issues

35. Uses For Your Private
Banking System
Equipment
Loans for your business
Line of Credit
Automobile Loans
Fund an Equipment Leasing Company
Loans to family members
College funding
Gifting for estate planning
Real estate loans
Vacations
Home Remodeling
Anything that you finance

36. No other bank, insurance product, or
investment vehicle works as well.

37. You Can Create 5 Assets
Death Benefit
Perpetual Capital A Private Bank - –
and Wealth to Use cash value to
Future finance your
Generations purchases.
One
Annual
Premium
Tax-Free Loans – Tax-Free Growth
IRC 7702 on Your Capital

38. How to Finance a Car
A Tale of Two Brothers
Michael John

39. How to Finance a Car:
A Tale of Two Brothers
Both brothers decide to buy a new SUV and finance with
the same terms:
$30,000 Loan
6% Rate
$580 for 60 Months
Michael John
Uses the local bank
Uses his Personal
to finance the
Financing
purchase
Strategy

40. Michael Local Bank
Income Statement Income Statement
Income Income
Principal and Interest
Expenses Expenses
Principal and Interest
Balance Sheet Balance Sheet
Assets Liabilities Assets Liabilities
Michael’s Michael’s
Auto Loan Auto Loan
Net Effect for Michael Net Effect for Bank
Michael is left with a $580 income for 60 months
$30,000 principal
depreciated car worth $4,799 Interest
$5,000 $34,799 Total

41. The Bank
of John
John
Income Statement Income Statement
Income Income
Principal and Interest
Expenses Expenses
Principal and Interest
Balance Sheet Balance Sheet
Assets Liabilities Assets Liabilities
John’s John’s
Auto Loan Auto Loan
Net Effect for John Net Effect for John’s Bank
John is left with a $580 income for 60 months
$30,000 principal
depreciated car worth $4,799 Interest
$5,000 $34,799 Total

42. How to Finance a Car:
A Tale of Two Brothers
Michael John
Michael is left with only a John keeps the car & all his
depreciated car. money!
Because he owns the Bank!
$30,000 Principle
+ 4,799 Interest
The Local Bank keeps all his + 5,000 Car
Principle & Interest. $39,799 Total

43. So When You Finance Your Next Car,
You Will Either…
Increase Your Net Worth or Decrease It.
You Have a Choice!

44. What would the ideal
financial plan look like?
Putting your Private Financing
Strategy to work

45. One of the greatest drains on
our financial resources is the
interest we pay to finance our
lifestyle:
Qualified Bank Loans
Retirement Plans
Market Losses
Credit Cards

46. The Money we transfer away is a lost fortune
with two parts:
$$$
• The actual number of dollars we transfer
%%%
• The future value of the transferred dollars

47. Controlling the amount of money we transfer
away will dramatically increase financial
security and wealth for retirement.
How then do we save for retirement without
loss while financing our lifestyle?
$ $%%
$$ %
%

48. Most Americans have been • 401(k)s
trained, taught, and • 403(b)s
educated to build wealth • 412(i)s
through government- • 457s
promoted Qualified IRC • IRAs
plans like: • Seps
• Keoghs

49. Conventional wisdom and current
planning methods tell us to save for 401(k)
retirement using qualified plans that tie
up our money.
IRA
That in turn sends us to the
bank and credit cards to
finance our lifestyle.
Everyone does it this way but,
is there a better way?

50. Benefits IRC 400 Plans IRC 7702
Creditor Proof Yes* Yes
Contributions: Tax-deferred Yes Yes
Growth: Tax-deferred Yes Yes
Withdrawal: Tax-free No Yes
Transfer: Tax-free No Yes
Guaranteed Returns/Growth No Yes
Competative IRR No Yes
Unlimited Investment Options No Yes
Enhanced IRR through Self-Management No Yes
Collateral No Yes
Virtually Unlimited Contributions No Yes
Accessible: Provides Velocitization Opportunities No Yes
Liquidity, Use and Control No Yes
Disability Provision No Yes
Self-Completion Provision (Death and Disability) No Yes
Banking Purposes Allowed No Yes

51. Growth with Growth Taxed Growth Taxed
Year No Tax at 17% at 27%
0 1.00 1.00 1.00
1 2.00 1.83 1.73
2 4.00 3.35 2.99
3 8.00 6.13 5.18
4 16.00 11.22 8.96
5 32.00 20.52 15.50
6 64.00 37.56 26.81 100% ROI
7 128.00 68.73 46.38
8 256.00 125.78 80.24 in a
9 512.00 230.18 138.81
10 1,024.00 421.22 240.14
Tax Free
11 2,048.00 770.84 415.44 Vs.
12 4,096.00 1,410.63 718.71
13 8,192.00 2,581.45 1,243.37 Taxable
14 16,384.00 4,724.06 2,151.02
15 32,768.00 8,645.03 3,721.27
Environment
16 65,536.00 15,820.40 6,437.80
17 131,072.00 28,951.33 11,137.40
18 262,144.00 52,980.93 19,267.70
19 524,288.00 96,955.11 33,333.12
20 1,048,576.00 177,427.85 57,666.30
Loss due to Taxes 871,148.15 990,909.70

52. POINTS TO CONSIDER
1. There are only two sources of income -- people
at work and money at work.
2. If you knew, at passive income time, that you
would be getting back every thing that you paid
into a system -- tax free -- would you object to
putting more money in it?
3. When you get paid for your work, you put all of it
into “someone else’s bank” and then write checks
from the account to buy the things of life. So,
“someone else’s bank” gets all of your money. If
you owned a banking system, wouldn’t you want
to run all of your business through your bank?

53. POINTS TO CONSIDER
4. When government creates a problem (onerous
taxation) and then turns around and grants you an
exception to the problem they created (any tax-
qualified plan) aren’t you just a little bit suspicious that
you are being manipulated?
5. Tax-qualified retirement plans were all created under
the guise of “giving you a break.” First, there were
pension plans for corporate employees, then came HR-
10 plans for partners and sole proprietors, and finally,
IRA’s for individuals. Now everyone “had an exception”
to the IRS Code. If the government really wanted to
“give you a break” -- all they had to do is cut out the
taxes! Do you really think they want to do that?

54. POINTS TO CONSIDER
6. Wealth has got to reside somewhere. Where would you
prefer to have it reside? Real Estate? The Stock Market?
Or, free contract with other free persons (Life Insurance)?
7. You finance everything you buy. You either pay interest to
someone else or you give up interest you could have
earned elsewhere. There are no exceptions.
8. Your need for finance, during your lifetime, exceeds your
need for life insurance protection. If you solve for your
need for finance through life insurance cash values, you will
end up with so much life insurance, you can’t get it past the
underwriters. You will have to insure every person in which
you have an insurable interest.

55. Understanding Taxes
U.S. Supreme Court Justice
“... few people know that the free bridge exists” Louis D. Brandeis (1916 – 1939)
“I live in Alexandria, Virginia. Near the Court Chambers is a toll bridge across the Potomac.
When in a rush, I pay the dollar toll and get home early. However, I usually drive outside the
downtown section of the city and cross the Potomac on a free bridge.
The bridge was placed outside the downtown Washington, D.C. area to serve a useful social
service – getting drivers to drive the extra mile and help alleviate congestion during the rush
hour.
If I went over the toll bridge and through the barrier without paying a toll, I would be committing
tax evasion.
If I drive the extra mile and drive outside the city of Washington to the free bridge, I am using a
legitimate, logical and suitable method of tax avoidance, and I am performing a useful social
service by doing so.
For my tax evasion, I should be punished. For my tax avoidance, I should be commended.
The tragedy of life today is that so few people know that the free bridge even exists.”

56. Essential Characteristics
of the Ideal Financial Plan

57. The Ideal Financial Plan Flow of
Money
1 Must provide for a Positive Cash
systematic and continuous Return Available
flow of money into the plan
(or it won’t get done).
2 There should always be a
positive return on the
money.
3 Money should be available
when it is needed (to
prevent the costs of
indebtedness and to prevent
missed opportunities.

58. The Ideal Financial Plan Flow of
Money
4 There should be minimum taxes on Positive Cash
the accumulation of money in the Return Available
plan. Min.
5 There should also be minimum taxes Taxes on
Accum
on the distribution of money from the Min.
plan (minimum tax whenever the Taxes on
money may be used, and minimum
tax on whomever ultimately receives Use
the money). Control
Distribution
6 Distribution should be easy and
uncomplicated, and not subject to
control by others (such as the
imposition of penalties for using your
money the way you wish, and in ways
most valuable to you.

59. The Ideal Financial Plan Flow of
Money
7The plan should contain contingencies Positive Cash
for the normal occurrence of real life Return Available
events (such as death, disability, Min.
emergencies, opportunities, and Taxes on
unforeseen factors that can take Accum
Min.
whatever wealth may have been
Taxes on
achieved).
Use
8 should minimize the risk of loss of
It
Control
Distribution
the money.
“What if” Flexible
9 should be flexibility to change Protection
There
the plan when and if necessary. Minimize
Loss

60. The Ideal Financial Plan Flow of
Money
Positive Cash
Return Available
Min.
Taxes on
All of the this can be Accum
accomplished by learning Min.
Taxes on
the principle of private
Use
family banking through Control
Distribution
dividend-paying whole life
insurance. “What if” Flexible
Protection
Minimize
Loss

61. Key Benefits
1. Dividend Paying Whole Life is the only financial
product with a guaranteed, permanent, growing,
tax-free death benefit and a guaranteed lifetime
premium regardless of any health change.
2. The same dollars create the death benefit and the
cash value simultaneously.

62. Key Benefits
3. The guaranteed continual growth of cash value
provides full cost recovery.
4. The interest and dividends are not reportable as
taxable income.
5. Cash values and dividends are liquid and
contractually guaranteed to be available upon
request.
6. It is the only financial product that can include a
benefit to complete the plan if disability occurs.

63. Dividend paying whole life
insurance is a 200 year old financial
tool that should be the foundation
for every solid financial plan!

64. Are these strategies a fit for you?
• Business is profitable
– excess/retained earnings or savings
• You want to tax-efficiently shift income from the
company to your personal accounts
• You are comfortable with a capitalization phase of 1-
4 years
– Good, Better, Best

65. Are these strategies a fit for you?
• You are interested in creating a legacy for you
and your family
• You are willing to become a student of
banking
• You are tired of the banks making all the
money
• Call me at 678-889-8940 and let’s talk –
Richard Young - Young Financial Group, LLC