Podcast Summary: The Science of Flipping

Episode: How to Stop Relying on Banks, Cut Taxes, and Control Your Wealth Like the Rich (with Jayson Lowe)

Host: Justin Colby
Guest: Jayson Lowe, Founder of Ascendant Financial
Date: September 12, 2025

Episode Overview

This episode dives deep into the Infinite Banking Concept (IBC), a strategy for real estate investors and entrepreneurs to regain control over their capital, minimize taxes, and free themselves from dependence on banks. Justin Colby welcomes Jayson Lowe of Ascendant Financial to demystify how wealthy individuals structure their financial lives for compounding growth and long-term family wealth, using dividend-paying whole life insurance as a financial foundation.

Key Discussion Points & Insights

1. Understanding Infinite Banking (IBC) (01:29, 03:55)

• Infinite Banking is about managing your wealth through dividend-paying whole life insurance, essentially letting you become your own banker.
• You take on four roles: depositor (pay premiums), borrower (access policy loans), banker (control repayment), and bank owner (share in profits).
• Memorable Quote:

  "You become all four characters in the financial play... What a peaceful, stress-free way of life it is financially." – Jayson Lowe (01:29)

2. Critique of the Traditional Banking System (05:02)

• Banks are described as "not your friend," creating money from nothing and profiting immensely by lending depositors’ funds.
• Banks "flip" capital much like investors flip real estate, but to the customer’s detriment.
• Quote:

  "That would be like me pouring you a glass of whiskey, drinking it myself and charging you for it." – Jayson Lowe (05:02)

3. Placing Capital in Life Insurance Instead of Banks (06:52)

• High cash value, dividend-paying life insurance offers contractually guaranteed growth, access to tax-free loans, and wealth transfer outside government reach.
• Quote:

  "How much of your capital do you not want residing there?" – Jayson Lowe (07:56)

4. The Power of Uninterrupted Compound Growth and Policy Loans (08:22, 09:01)

• Policy loans do not interrupt growth; your policy's cash value compounds daily regardless of loan activity.
• Real estate investors can outcompete peers who borrow from banks due to uninterrupted compounding.
• Real-life application: Using policy loans instead of hard money lenders for flips significantly boosts profit margins.
• Practical Example:

  "I just turned a $50,000 profit into a $62,000 profit because I borrowed the money from myself." – Justin Colby (15:23)

5. Family Wealth and "Family Banking Systems" (20:03)

• The wealthy focus on circulating payments and investments within the family to maximize compounding and control.
• Lowe’s family has 77 life insurance policies, collectively paying $1.56M in annual premiums, creating a multi-generational banking system.
• Quote:

  "The wealthy circle the wagons around the family... I want all of that money flowing back to the family banking system." – Jayson Lowe (20:03)

6. Coaching, Community, & Real-Life Implementation (22:01, 34:33)

• Tools like Infinite Banking require good coaching; otherwise, even the best tools can yield poor results.
• Ascendant Financial provides resources, coaching calls, and community events to support clients.
• Coaching Philosophy:

  "As a coach, we're responsible to you, not for you." – Jayson Lowe (34:33)

7. Policy Loans Mechanics and Taxation (29:54, 31:47)

• Policy loans are private, require no credit checks, and are secured against the policy death benefit—not real estate or business assets.
• Repayment is flexible; you can choose how and when to repay, which eases cash flow pressure during slow flips or market changes.
• Only the unpaid loan amount plus accrued interest is reduced from the death benefit upon the policyholder’s death.
• Clarification:

  "There is no bank leaning the property. There is no personal guarantee." – Justin Colby (31:47)

8. Lend to Profit: Leveraging Policy Loans as a Lender (39:25)

• Ascendant’s community links policyholders looking to lend with those seeking capital, ensuring fast, easy deals with trusted counterparties.

9. Debunking the Hype and Focusing on Simplicity (25:22, 43:39)

• Jayson Lowe urges against sensationalizing Infinite Banking as a secret or shortcut, emphasizing its simplicity and the importance of understanding your role in the "financial play."
• Quote:

  "Somebody has to perform the banking function in your life. There are no exceptions to that, period." – Jayson Lowe (25:22) "The world is a stage and everyone in it are actors thereon... Most have no idea they’re even in a financial play." – Jayson Lowe (43:39)

Notable Quotes & Memorable Moments

• On Banks vs. Real Estate Investors:

  "Banks. Banks are in the flipping business, but they're not dealing with tenants at 3 o'clock in the morning with a busted water heater." – Jayson Lowe (14:22)

• On the Lifestyle of Infinite Banking:

  "This is about the infinite banking concept being a lifestyle, not a financial plan." – Jayson Lowe (32:26)

• On Independence:

  "We don't want people to develop a dependence on us. We want people to develop independence." – Jayson Lowe (35:53)

Timestamps by Key Segment

• 01:29 – Introduction to Infinite Banking: Four financial roles
• 03:28 – Jayson’s background and Ascendant's mission
• 05:02 – Problems with the banking system
• 06:52 – Why high cash-value life insurance?
• 08:22, 09:01 – Compounding growth and real estate applications
• 14:22 – How banks actually "flip" your money
• 15:23 – Real-world profit boost using policy loans
• 20:03 – Building a family banking dynasty
• 22:01, 34:33 – The importance of coaching/community
• 29:54 – Mechanics and terms of policy loans
• 31:47 – No liens or personal guarantees
• 39:25 – Using insurance policy loans to lend to others
• 43:39 – The “financial play” analogy and how few understand it

Actionable Resources & Contact Info

• Free ‘Banker’s Vault’ Kit:
  Text “bank” to 813-793-7921
  Includes resources, books, and access to the Ascendant Financial community (27:04).
• Website: ascendantfinancial.com

Final Takeaways

• The Infinite Banking Concept is not a magic bullet but a powerful, proven system for capital growth, control, and tax efficiency, especially for investors.
• Proper implementation requires education, coaching, and a community of like-minded practitioners.
• Wealthy families think in terms of processes that keep control and profits within the family—and this approach is now accessible to anyone willing to learn and apply it.

For real estate investors seeking true financial control, this episode provides a clear, practical roadmap for moving beyond banks and building generational wealth the same way the rich do—with education, discipline, and the right financial “toolbox.”