Ep. 3 - The Hidden Cost of Money: How Infinite Banking Puts You Back in Control
Release Date: 08/22/2025
Ep. 16 - Meet Jonathan: A Gen Z Look at Money, Family Banking & Becoming Your Own Banker
Bankless by Design
In this special episode, I sit down with my youngest son, Jonathan Miller, for an honest conversation about money, growing up as the youngest of seven, and how his understanding of money has changed over the years. Jonathan shares: What money felt like from a youngest-child perspective How our family's financial challenges shaped his early beliefs Why he decided to start his own Infinite Banking System The story behind his Lego side hustle and entrepreneurial spark His hopes for the future, what he’s learning, and what he wants other young people to know This episode is your...
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Ep. 15 - Control Your Money Without Banks: My Guest Interview on the Infinite Banking Initiative Podcast
Bankless by Design
In this special episode, Tricia joins the Infinite Banking Initiative Podcast—hosted by Nelson Nash’s son-in-law, David Stearns, and his granddaughter, Leigh Barganier—for a powerful conversation on control, stewardship, and the truth behind the Infinite Banking Concept.
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Ep. 14 - The Simple Detour That Puts Your Money to Work for You
Bankless by Design
Are you really becoming your own banker… or did you just buy a policy? 👀 In this episode, Tricia Miller breaks down one of the most common mistakes people make after starting their Infinite Banking journey — paying the first premium, then stopping short. She reveals why skipping your PUAs (Paid-Up Additions) can stall your growth, interrupt compounding, and keep your money working for someone else instead of you. You’ll learn: 💡 The crucial difference between owning a policy and practicing the Infinite Banking Concept 🔥 Why PUAs are the “fuel” that accelerates your wealth...
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Ep. 13 - Skeptic to Steward: Beaver Bankers & Banking at Home - An Interview with Becca Wilhite
Bankless by Design
In this episode of Bankless by Design, Tricia sits down with Becca Wilhite—Nelson Nash Institute Authorized Practitioner and author of Beaver Bankers—to unpack Infinite Banking in real life. Becca shares how she went from a Dave-Ramsey-style skeptic to a confident practitioner after discovering that most families aren’t “investing the difference”…they’re spending it. You’ll learn how IBC helps you capture the cash flow already moving through your life, access capital on demand while your cash value keeps growing, and build a family banking system that supports...
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Ep. 12 - Show Me the Numbers! Why the Infinite Banking Isn't an Investment
Bankless by Design
Is Infinite Banking (IBC) just another “investment”… or a smarter way to finance life with control and liquidity? In this episode of Bankless by Design, Tricia Miller reframes the debate and walks through numbers that actually matter—cash value access, opportunity cost, velocity of money, guaranteed growth, and how policy design impacts real-life results. What you’ll learn Why IBC with dividend-paying whole life insurance is a financing system, not an investment How to calculate the lifetime volume of interest you’ve paid to banks (and the cost of paying cash) The velocity of...
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Ep. 11 - Whole Life: Virtue or Scam
Bankless by Design
“Whole life is a scam.” You’ve heard the line—usually followed by “just buy term and invest the difference.” In this episode, Tricia Miller breaks down why that advice can leave families underinsured, overexposed to market volatility, and taxed more than they expect—and how dividend-paying whole life with the Infinite Banking Concept (IBC) reframes the goal from chasing returns to financing life with guarantees. ------------------------------------------ Follow Thrivewell Get In Touch: Learn More: Disclaimer:...
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BONUS: When the Paychecks Stop: Why Access to Capital Matters More
Bankless by Design
When the system shuts down… how do you keep your family standing? In this special bonus episode, Tricia Miller, founder of Thrivewell: Bankless By Design, shares a personal story of how the recent government shutdown affected her own family — with multiple children and spouses furloughed or working without pay. This isn’t just about politics — it’s about preparation. Tricia reveals how the Infinite Banking Concept (IBC) offers real solutions for financial independence, cash flow control, and crisis-proof wealth. Learn how to build a private banking system within your family that...
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Ep. 10 - Faith, Finance & the ‘Scam’ That Isn’t
Bankless by Design
Uncovering the faith-filled origins of a misunderstood financial tool You’ve heard it before — “Whole Life Insurance is a scam.” It’s a phrase repeated by financial entertainers and echoed by well-meaning friends. But what if that familiar advice is built on misunderstanding... and the truth tells a very different story? In this episode of the Bankless by Design Podcast, Tricia Miller explores the deeper roots of Whole Life Insurance and the Infinite Banking Concept — revealing how these ideas aren’t scams at all, but are instead grounded in biblical principles of stewardship,...
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Ep. 9 - How and Why Policy Loans Work
Bankless by Design
Most people’s first question about Infinite Banking is: “Why would I pay interest to borrow my own money?” In this episode, we dig into that question and break down how policy loans really work—and why they’re nothing like bank loans. You’ll learn how uninterrupted compounding gives you an edge, why life insurance company terms are so flexible, and how you can save and spend at the same time. By the end, you’ll see how paying interest can actually create long-term financial growth and freedom. ------------------------------------------ Follow Thrivewell ...
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Ep. 8 - Whole Life vs. Term Insurance: What You Need to Know
Bankless by Design
In this episode, Tricia Miller answers one of the most common beginner questions: How much premium do you really need to get started with Infinite Banking? Drawing from Nelson Nash’s golden rules, real-life examples, and her own experience, Tricia explains why paying premium isn’t a burden but an opportunity to build lasting wealth. You’ll learn the importance of capitalizing boldly, thinking long-range, and why uninterrupted compounding can change everything. Whether you’re just curious or ready to dive in, this episode will help you see why anyone—not just the...
info_outlineWhat if the way you’ve been taught to manage money was never meant to help you flourish? In this episode, Tricia Miller unpacks the hidden costs of traditional banking, like opportunity cost, and explains why every dollar you spend is financed. She shares how the Infinite Banking Concept can help you reclaim control, stop outsourcing your wealth to banks, and start becoming your own banker.
Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party’s informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.