Teaching our Kids Rentals and Infinite Banking Q&A - Part 2 with Aaron Chapman
Release Date: 05/19/2023
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info_outlineThis is the 2nd of a 2-part series on growing wealth through the combination of directly owned rental properties and infinite banking. In this one we discuss teaching the next generation, growing a legacy and answer some listener questions. If you missed part 1 last week, go back and review - I review why directly owned assets, the first investing tier in the Hierarchy of Wealth is vital to our long-term success and we discuss how each of us got started and why.
Episode Highlights
- Importance of having a solid foundation in your financial life to handle unexpected situations
- Warning against purely relying on market advisors for finances and the dangers of not taking control of your own investments
- The need for control and building a strong foundation before moving to speculation in finances
- Why you should start having a team of advisors such as property managers, wealth strategists, and mortgage experts like Aaron Chapman to navigate the financial world
- Utilizing a whole life insurance policy for financial planning within a family, and involving children in the process
- Structuring financial policies for children with the intention of continuing to build the family's wealth, and putting in place measures to protect against financial loss
- The potential benefits of borrowing against a whole life insurance policy or borrowing from a bank using the policy as collateral.
- The ease of adjusting the amount down payment depending on the specific property and market
- Differences between borrowing against a whole life insurance policy and other entities such as IRA and 401K
- Clarification on protection of cash value in policy from potential creditors and suggestions for equity stripping to protect the property
- Comparison between IUL (Indexed Universal Life) and whole life insurance policies
- Addressing whether the property needs to be in the name of the policy holder and who can borrow from the policy
- Discussing how cash value inside the policy can count as asset reserves on conventional loans and not count against DTI (Debt-to-Income ratio)
Links and Resources from this Episode - Connect with Gary Pinkerton
- https://www.paradigmlife.net/
- gpinkerton@paradigmlife.net
- https://garypinkerton.com/
- https://www.aaronbchapman.com/videos/
- https://www.youtube.com/watch?v=oaRJeL0m-j0&t=1s
- https://www.youtube.com/watch?v=zASwmWIbp34
- https://www.youtube.com/watch?v=Qp8eiCNQbsk&t=38s
- Connect with Aaron Chapman
- https://www.aaronbchapman.com/
- https://www.youtube.com/watch?v=oaRJeL0m-j0&t=1s
- https://www.youtube.com/watch?v=zASwmWIbp34
- https://www.youtube.com/watch?v=Qp8eiCNQbsk&t=38s
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