How the Wealthy Use Their Own Money TWICE—While Most People Sign a ‘Death Pledge’
- Cassandra Hendriks
- Apr 22
- 2 min read
Most people put their hard-earned money in the bank, thinking they’re saving. But here’s the problem:
💰 The bank pays you minimal interest.
🏦 Then, they loan YOUR money out at significantly higher interest rates.
📈 They keep the difference—you get the leftovers.
Banks aren’t in the business of keeping your money safe.
They’re in the business of multiplying it—for themselves.
Consider this: The national average savings account rate is 0.41% (NerdWallet, February 2025), while high-yield accounts offer rates exceeding 4% (Fortune, February 2025). Meanwhile, banks lend that same money out for:
Mortgages: Average 30-year fixed rate at 6.85% (AP News, February 2025)
Credit Cards: Average interest rate of 24.20% (Investopedia, February 2025)
Personal Loans: Average rate around 15.92% for consumers with good credit (NerdWallet, February 2025)
Now, let’s talk about that mortgage…
The word mortgage comes from the Latin terms mortuus (death) and gage (pledge). Literally translated, it means “death pledge” or “death note.” (Oxford English Dictionary)
By the time you finish paying it off—often 30+ years later—you’ve paid 2 to 3 times the original loan amount in interest! (Consumer Financial Protection Bureau)
But what if you could use your money like the bank does?
What if, instead of giving control to the bank, you became your own bank?
Here’s how it works:
Your money grows continuously. When you fund your infinite banking system, your capital earns uninterrupted compounding interest—even when you use it. (Nelson Nash Institute)
You borrow against your money—not from it. Instead of withdrawing, you collateralize your money, keeping it growing while accessing cash.
You set flexible repayment terms. Since you're borrowing against your own money, the loan is self-secured. Pay it back on your own schedule—or not at all.
💡 The wealthy don’t “borrow” money like the average person—they leverage their own capital while keeping it growing.
Meanwhile, most people:
Take loans from the bank.
Pay interest to someone else.
Work hard just to pay it all back—plus taxes.
Now, consider this: What tool makes infinite banking possible?
✅ Cash value life insurance policies with living benefits.
Unlike term life insurance—where the insurer essentially bets against your life (if you live past the term, they keep your premiums and pay out nothing)—cash value life insurance allows you to:
✔️ Access your money while you’re still alive.
✔️ Build generational wealth while using the capital.
✔️ Have peace of mind knowing your money is protected, growing, and working for you.
The question isn’t whether infinite banking works. The question is, are you ready to use it?
Drop “BANK” in the comments if you’re ready to stop working for money and start making money work for YOU.
📌 Disclaimer: This is for educational purposes only and should not be considered financia
l advice. Eligibility restrictions apply. Results are dependent on individual resources.
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