298. How to Become Your Own Bank: Infinite Banking for Women Entrepreneurs with Erica Neal

What if the key to financial freedom wasn't another retirement account… but a completely different way of thinking about money?

In this episode of The Game On Girlfriend® Podcast, Sarah sits down with finance educator and founder Erica Neal to talk about infinite banking—a strategy that uses custom-designed life insurance policies to help you grow wealth, keep liquidity, and still protect your future.

 

What You'll Learn

Erica shares her unfiltered story: from teen mom to Wall Street to building her own wealth management firm, centered on empowering financial education. The conversation dives into:

• What infinite banking actually is (and the myths that keep people nervous)

• How the wealthy use these policies for funding projects, reinvesting, and creating a legacy

• Why compounding interest and control matter more than flashy returns

• Erica's "buried vs. planted" concept—how to grow through challenging seasons

 

Episode Summary

This isn't your typical financial advice episode. Erica breaks down exactly how infinite banking works with real numbers - you typically get 80% access to your money in year one, dollar-for-dollar by year four, and often more than you put in by year five thanks to compound growth. She tackles the biggest concerns head-on, like why those acquisition costs aren't actually problems, but rather smart, long-term moves. You'll hear how to use policy loans while your money keeps earning, why dividends from mutual insurance companies add extra returns, and how this fits with your other investments instead of replacing them. Erica's journey from Wall Street product-pusher to genuine wealth strategist shows what happens when you put clients first.

 

Related Episodes You Might Love

• Ep 287: The $68 Trillion Wealth Transfer: Why the Future of Money is Feminine https://sarahwalton.com/wealth-transfer-women/

• Ep 230: "You Deserve the Money" with Bookkeeper Ashley Chamberlain https://sarahwalton.com/bookkeeping-for-women/ 

• Ep 197: "Money Beliefs That Hold You Back from Making More" https://sarahwalton.com/money-beliefs/ 

 

Special gift from Erica

• Erica’s Mini-Course: https://qeeg2iohufpl1toyi4os.app.clientclub.net/courses/offers/66984f35-cf26-4d4b-a1ce-e14435af046f 

• Discount Code: GAMEON

 

Connect with Guest Erica Neal

• Website: www.InfinityInvestmentStrategies.com

• IG: https://www.instagram.com/theericaneal/

• LI: https://www.linkedin.com/in/theericaneal/ 

• FB: https://www.facebook.com/TheEricaNeal

• YT: https://www.youtube.com/@theericaneal 

 

About Erica Neal

After earning her bachelor's degree in finance & economics, Erica began her career in finance by working for a large investment firm, learning the basics of running a financial practice but also becoming aware of large holes in the traditional financial planning process. Though she was able to obtain success & company recognition for her achievements, Erica knew there was a better way to build her clients' wealth.

To provide more comprehensive strategies for her clients, Erica left the large box company to join a boutique, independent financial firm where her planning process transitioned from a narrow focus on rate of return to building efficient cash flow strategies and increasing income through alternative assets and the Infinite Banking Concept. In addition to expanding her financial planning methods, Erica also began to invest in real estate. Eventually, Erica and David White decided to merge their practices and open their own firm to focus on their passion…. cash flow strategy.

Since co-launching Infinity Investment Strategies, Erica has continued to build her real estate portfolio as both a passive and active investor, acquire businesses, and provide resources on Infinite Banking education and services for investors. As an Authorized IBC Practitioner, Erica provides information and resources to investors and business owners about the power of the Infinite Banking Concept in their portfolio. As a speaker, Erica's expertise extends to the intersection of mindset and money, unraveling the barriers that hinder personal growth and prevent individuals from realizing their fullest potential and building wealth.

Having become the "Go To" group for creative financial strategies and Infinite Banking, Erica continues to build her businesses and educate on "Real Money Truths", de-mystifying how to build wealth and helping others create a strategic plan for generational impact.

 

Free gift from Sarah

Book a free 15-minute call to explore working together: https://app.acuityscheduling.com/schedule/60d4f7f6/appointment/52999780/calendar/909961?appointmentTypelds%5B%5D=52999800

 

Ready to shift from chasing to receiving in your business? Book your call with Sarah today and discover how The Abundance Academy can help you scale with soul, strategy, and sanity.

 

Work with Sarah

Apply for The Abundance Academy group coaching program https://sarahwalton.com/abundance-academy/

 

Connect with Sarah

• Website: https://sarahwalton.com/

• Instagram: https://www.instagram.com/thesarahwalton/

• You can check out our podcast interviews on YouTube, too! http://bit.ly/YouTubeSWalton

 

Thank you so much for listening. I'm honored that you're here and would be grateful if you could leave a quick review on Apple Podcasts by clicking here, scrolling to the bottom, and clicking "Write a review." Then, we'll get to inspire even more people!

 

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About Sarah Walton

Sarah Walton is a business coach specializing in helping women entrepreneurs overcome internal barriers to success. With a background in trauma-informed coaching and nervous system regulation, she takes a holistic approach that addresses both mindset and tactical business skills. Featured on The Today Show and speaking at women's conferences worldwide, Sarah has helped hundreds of women build profitable, sustainable businesses aligned with their values while healing the deeper blocks that keep them playing small. She's the creator of The Money Mindset Course, The Abundance Academy, and Effortless Sales, and the host of the 5-star-rated Game On Girlfriend® Podcast, becoming the go-to source for women who want to build businesses that honor both their ambition and their nervous system's need for safety.