In this episode, Tricia and Jonathan begin Part Two of Nelson Nash's Becoming Your Own Banker, where Nash turns from the technical side of Infinite Banking to the human problems.

The focus today is Parkinson's Law — the reality that expenses tend to rise to meet income. More money will not fix our finances if our habits, appetites, and spending keep recreating the same problem.

Tricia also explains why becoming your own banker is not magic. The policy is a tool, but the person using it must still practice discipline, stewardship, and self-government.

Before we can govern our money, we have to be willing to govern ourselves.

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