I once got into an argument with a friend online over electric co-ops. They were his reason for not calling himself a “capitalist.” He explained how in his little town the adults had come together and set up a co-op to take care of their energy needs and in the co-op, nobody profited. I was […]
The Eight Forms of Capital Read More »
It was my enormous pleasure to speak with John Odermatt this week on his podcast, Finding Freedom. It’s part of the long-running Lions of Liberty Podcast Network, and an excellent show among other excellent shows! Here is the direct link to our episode. (It’s also embedded below!) John and I talk about the essence of
Luke Tatum on Finding Freedom with John Odermatt Read More »
Hang around with individuals trying to upgrade their lives long enough, you’re bound to hear someone mention “The Secret.” They’re likely to talk about it as a mysterious force that brings you what you desire. “If you vision board hard enough it will fall in your lap.” I was today years old when I discovered
The Reticular Activating System: The Secret Behind “The Secret” Read More »
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
Why I Became an Authorized IBC Practitioner Read More »
On May 16th, 2022, I had the pleasure of appearing on the Culinary Libertarian Podcast with Dann Reid. The direct link to the episode is here. The entire podcast archive (nearing 200 episodes!) is here. Dann and I have been friends for some time, and it was great to have another chance to talk! (To
Luke Tatum on the Culinary Libertarian Podcast Read More »
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
Using Available Cash Value for Investing Read More »
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
Compound Interest Games for Kids Read More »
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
How to Use Whole Life Cash Value Read More »
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
How Does a Whole Life Policy Work? Read More »
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
Financial Discipline: The Secret to Building Lasting Wealth Read More »
The information provided on this website is for informational purposes only. Under no circumstances should the reader construe the material contained herein as legal, tax, accounting, or investment advice. Please speak directly with a qualified professional for an individual assessment of the fitness of any legal, tax, accounting, or investment strategy. The Infinite Banking Concept® is a registered trademark of Infinite Banking Concepts, LLC. Perfect Spiral Capital is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC.
