Owning a whole life policy is not the same thing as becoming your own banker.

In the final episode of Nelson Nash's section on the five human problems, Tricia and Jonathan explore what he meant by "Use It or Lose It." They address some of the most common questions surrounding the Infinite Banking Concept: Does borrowing against a policy make it grow? Why repay your own banking system with interest? And what are you really in danger of losing if you never put the concept into practice?

They also discuss Mark 4:25, opportunity cost, the cost of using your own capital, and the common mistakes that can cause people to fall back into their old financial habits.

The policy is an important tool—but the policy alone is not the point. IBC is a process that requires continued learning, capitalization, financing, repayment, patience, and practice.

The real question is not simply whether you own a policy.

It is whether you are actively becoming your own banker.

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