Ep. 17 – Rethinking Money to Live Intentionally as a Family | Becoming Your Own Banker Series (Ep 1)
Release Date: 11/27/2025
EP 25 - The Grocery Store Example - Part II: The Back Door Mistake | BYOB Series #9
Bankless by Design
Tricia and Jonathan continue the Becoming Your Own Banker series with the second half of Nelson Nash’s Grocery Store example (5th edition, page 16). They unpack the “back door” problem — why taking from your own system without paying it back is a quiet form of self-sabotage — and how scrupulous honesty, long-term thinking, and disciplined repayment are essential to building a thriving family banking system. They also discuss the IRS as a “silent partner” in business and why Nash challenges the usual “friends and family discount” mindset. ...
info_outline
EP 24 - The Grocery Store Example – Part I: It’s Not the Rate | BYOB Series #8
Bankless by Design
If you understand the grocery store example, the rest of Infinite Banking gets easy. In Part I of the Grocery Store Example from Becoming Your Own Banker, we break down why Infinite Banking isn’t about the rate of return—it’s about turning inventory, velocity of money, and running your policy like a business. Using Nelson Nash’s famous can-of-peas analogy, we explore how small margins become powerful when money keeps moving—and why most people miss this entirely. This is foundational thinking. Part II continues the lesson next week. 👉 Learn more or get started at ...
info_outline
EP 23 - Why Infinite Banking Requires Imagination — Not Just Math | BYOB Series #7
Bankless by Design
Infinite Banking is often explained as a math strategy — but Nelson Nash began somewhere else entirely. In this episode of Bankless by Design, Tricia Miller and her son Jonathan explore why imagination is essential to understanding the Infinite Banking Concept, and why logic and calculation alone aren’t enough. Using the story of Carl Gauss, reflections from Becoming Your Own Banker, and real-life insight into how discovery actually works, this conversation unpacks what it means to recognize fixed relationships — not invent new rules. If you’ve ever felt confused by Nelson’s stories,...
info_outline
Ep 22 — Do You Have to Be Wealthy to Become Your Own Banker? | Becoming Your Own Banker Series (Ep 6)
Bankless by Design
Do you have to be wealthy to become your own banker? That question stops more people than almost anything else. In this episode of the Becoming Your Own Banker series, Tricia walks through the true origin of the Infinite Banking Concept — and it didn’t begin with wealth, comfort, or a perfectly organized financial life. It was born in crisis. By tracing Nelson Nash’s journey, you’ll discover why the real breakthrough wasn’t earning more money, but revising the spending pattern and redirecting cash flow through a system you control. If you’ve ever wondered: “How can I afford...
info_outline
Ep 21 — Who Really Controls the Money? | Becoming Your Own Banker Series (Ep 5)
Bankless by Design
Who really controls the money? In Episode 21 of the Becoming Your Own Banker series, we take a 30,000-foot view of money, banking, and control. Nelson Nash teaches that there is one pool of money in the world — constantly flowing through individuals, families, businesses, and banks — and the banking business exists to control that flow. Most people never stop to ask how much of the banking function they actually control as it relates to their own needs. In this episode, we explore cash flow, the illusion of control, and why money always finds its way back to the banking system unless...
info_outline
Ep 20 — Unlock Financial Freedom by Thinking Like a Banker | Becoming Your Own Banker Series (Ep 4)
Bankless by Design
Get In Touch: Learn More: 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...
info_outline
Ep 19 — What Infinite Banking Really Is | Becoming Your Own Banker Series (Ep 3)
Bankless by Design
Most people hear about the Infinite Banking Concept™ and jump straight to the policies, the numbers, or the rate of return… but that’s not where the concept begins. In fact, the most important part of Becoming Your Own Banker is the chapter almost everyone skips: the Introduction. In this episode, Tricia Miller and her son Jonathan walk line-by-line through the introduction of Nelson Nash’s classic book so you can finally understand what Infinite Banking really is, what it is not, and why many people misunderstand it. If you’re trying to get clarity on IBC, whole life insurance, or...
info_outline
Ep. 18 — Rethinking 401(k)s, Taxes, and Locked-Up Wealth | Becoming Your Own Banker Series (Ep 2)
Bankless by Design
In today’s episode, Jonathan and I unpack one of the most important — and rarely questioned — financial topics: Are 401(k)s and other tax-qualified plans actually helping you, or holding you back? Using page 85 of Becoming Your Own Banker, we explore: Why tax-qualified plans were created The hidden trade-offs behind “tax breaks” How inflation and taxation impact long-term savings The dangers of having your money locked up until age 59½ Why you bear 100% of the risk while the government shares the reward What happens when you need liquidity but your dollars are...
info_outline
Ep. 17 – Rethinking Money to Live Intentionally as a Family | Becoming Your Own Banker Series (Ep 1)
Bankless by Design
In this opening episode of our Becoming Your Own Banker series, Jonathan and I explore what it means to rethink money in a world where most families feel trapped in the rat race. We talk through the first “Points to Consider” from page 85 of Nelson Nash’s book and discuss: The difference between people at work and money at work Why most modern families feel overwhelmed and financially stretched How inflation, the cost of living, and cultural expectations shape our financial choices What passive income really is (and isn’t) How a dividend-paying whole life policy becomes the...
info_outline
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...
info_outlineIn this opening episode of our Becoming Your Own Banker series, Jonathan and I explore what it means to rethink money in a world where most families feel trapped in the rat race.
We talk through the first “Points to Consider” from page 85 of Nelson Nash’s book and discuss:
-
The difference between people at work and money at work
-
Why most modern families feel overwhelmed and financially stretched
-
How inflation, the cost of living, and cultural expectations shape our financial choices
-
What passive income really is (and isn’t)
-
How a dividend-paying whole life policy becomes the first step to reclaiming control
-
The importance of intentional living, long-range planning, and generational thinking
-
Why starting your own banking system is more accessible than most people realize
This episode lays the foundation for the entire series.
If you’re ready to think differently about money, regain control, and build a family-centered system of stewardship, you’re in the right place.
Thank you for listening.
If you enjoyed this episode, please follow the podcast and share it with someone who would benefit.
Together, let’s rethink money — and live intentionally, on purpose, for generations to come.
