In this episode of the Infinite Mindset Podcast, we break down first-lien HELOCs, traditional mortgages, Infinite Banking, and brokerage-based strategies using the same real-world numbers to see what actually holds up. Instead of hype, we follow the math—examining interest costs, liquidity, rate risk, and what happens when markets don’t cooperate. The takeaway is simple but powerful: wealth isn’t built by chasing maximum returns, it’s built by minimizing forced mistakes and maintaining control of your capital.

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In this episode of the Infinite Mindset Podcast, Andy, Jared, and Scott dive deep into policy loans—what they are, how they work, and why they can be a powerful financing tool when used correctly. Along the way, they break down common misconceptions, compare policy loans to conventional debt, and share real-world insights.

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Loan math:

Daily interest accrual:

Loan Balance x (1/365) x interest rate

True Interest Cost:

Total Quantity of Dollars Paid in Interest / Principal Amount of Loan x 100%

Total Quantity of Dollars Paid in Interest:

[ (Monthly Payment x number of Payments) + fees + pain of enduring underwriting ]- cash price

Examples:

Daily Interest- $10k x 1/365 x 0.05 = $1.3698 ($1.37 per day when rounded)

True Interest-

#1 $10k x 0.06 x 365/365 = $600 or 6%

#2 $10k x 0.06 x 183/365 = $300.82

$5k x 0.06 x 182/365 = $149.59

$300.82 + 149.49 = $450.41 or 4.5%

#3 $10k x 0.06 x 304/365 = $499.73 or 4.99%

In this episode we dive into why sequencing your capital correctly matters. Using a client's questions, we break down the problems most people miss, explain why control and uninterrupted growth are critical, and clarify why Infinite Banking isn’t about chasing rates but building long-term leverage. This episode steps back to show the big picture behind how and why we store capital the way we do.

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Contact: infinitemindset@blueskiesic.com