Bankless by Design
The Bankless by Design Podcast with Tricia Miller.
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Ep. 36: Building Your Banking System: Why Dividend Rates Mislead (Part 1) | BYOB Series #16
04/16/2026
Ep. 36: Building Your Banking System: Why Dividend Rates Mislead (Part 1) | BYOB Series #16
In Episode 36 of the BYOB Series, Tricia Miller continues the walk through Nelson Nash’s chapter on creating your own banking system through dividend-paying life insurance. This first half of the conversation focuses on dividends: what they are, how they are determined, and why dividend rate alone is not a sound way to compare policies or companies. Along the way, Tricia explains why policy illustrations are only snapshots in time, how owner behavior affects the outcome, why future dividend projections should not be treated like promises, and why declared dividends are different from projected ones. She also explores why life insurance companies plan conservatively and why headline numbers do not tell the whole story. This is Part 1 of a two-part discussion on dividends and building your banking system through dividend-paying whole life insurance. ------------------------------------------ Follow Thrivewell 👉 Facebook 👉 Instagram 👉 Linkedin 👉 TikTok Get In Touch: tricia@banklessbydesign.com Learn More: banklessbydesign.com 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.
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EP 35 - You’re Not the Customer. You’re the Owner.
04/09/2026
EP 35 - You’re Not the Customer. You’re the Owner.
In this episode of Bankless By Design, Tricia continues the Becoming Your Own Banker series by looking more closely at the product behind the process: whole life insurance. But this conversation goes beyond the mechanics of the policy itself. At the heart of this episode is a deeper idea: ownership matters. Tricia walks through Nelson Nash’s explanation of how whole life insurance is engineered, why the owner of the policy holds a unique position, and what it really means to control capital without asking permission. She also draws a clear distinction between being a customer and being an owner — and why that difference affects not just money, but freedom, responsibility, and long-term independence. This episode explores the promises and structure of a life insurance contract, the role of mutual companies, access to policy equity, and the responsibility that comes with control. If you’ve ever wondered why ownership is such a foundational principle in Infinite Banking, this episode brings that idea into focus. In this episode, we discuss: Why whole life insurance is the product used in a banking system The difference between being a customer and being an owner How policy ownership creates access and control Why responsibility matters just as much as freedom How properly designed policies become more efficient over time Why ownership is tied to independence, liberty, and peace of mind If this episode encouraged you, be sure to subscribe, share it with a friend, and join us next time as we continue through Becoming Your Own Banker. ------------------------------------------ Follow Thrivewell 👉 Facebook 👉 Instagram 👉 Linkedin 👉 TikTok Get In Touch: tricia@banklessbydesign.com Learn More: banklessbydesign.com 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.
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EP 34 - Can Churches Practice Infinite Banking? | Interview with Will Fullington
04/02/2026
EP 34 - Can Churches Practice Infinite Banking? | Interview with Will Fullington
In this episode, I’m joined by my friend and fellow practitioner, Will Fullington, to talk about a topic most churches and nonprofits have probably never considered: how the Infinite Banking Concept can help them build, protect, and steward capital for the long term. We talk about stewardship, liquidity, long-range thinking, and why churches need more than a savings account if they want to be prepared for future needs and future opportunities. More than that, this conversation is really about what it means to handle God’s resources faithfully and think bigger about what the church could be doing for generations to come. If you’ve ever wished the church was in a stronger position to care for people, meet needs, and plan wisely for the future, this episode will give you a lot to think about. ------------------------------------------ Follow Thrivewell 👉 Facebook 👉 Instagram 👉 Linkedin 👉 TikTok Get In Touch: tricia@banklessbydesign.com Learn More: banklessbydesign.com 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.
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EP 33 - Why Paying Cash Is Costing You More Than You Think | BYOB Series #14
03/26/2026
EP 33 - Why Paying Cash Is Costing You More Than You Think | BYOB Series #14
Most people believe paying cash is the safest and cheapest way to buy anything. But what if that belief is costing you more than you realize? In this episode, Tricia and Jonathan unpack a foundational principle from Becoming Your Own Banker: You finance everything you buy—either by paying interest to someone else or giving up interest you could have earned. Through simple examples and real-world application, this episode challenges conventional thinking and introduces a new way to value your capital, make decisions, and build long-term wealth. ------------------------------------------ Follow Thrivewell 👉 Facebook 👉 Instagram 👉 Linkedin 👉 TikTok Get In Touch: tricia@banklessbydesign.com Learn More: banklessbydesign.com 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.
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EP 32 - Are You Actually a Good Steward of Your Money? (Most People Aren’t)
03/19/2026
EP 32 - Are You Actually a Good Steward of Your Money? (Most People Aren’t)
Are you actually being a good steward of your money… or does it just feel like you are? In this episode, we explore a foundational principle from Becoming Your Own Banker—that you finance everything you buy—and connect it to the Parable of the Talents. What we uncover is a powerful truth: 👉 It’s not just about what you spend… it’s about what your money could have been doing. We talk about: Why breaking even is considered a loss The role of opportunity cost in everyday financial decisions A biblical view of productivity, profit, and stewardship And how common financial advice may be causing you to unknowingly give up growth This is an invitation to think more deeply about how you steward what has been entrusted to you—and to begin asking better questions about how your money is working (or not working) in your life. ------------------------------------------ Follow Thrivewell 👉 Facebook 👉 Instagram 👉 Linkedin 👉 TikTok Get In Touch: tricia@banklessbydesign.com Learn More: banklessbydesign.com 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.
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EP 31 - Creating a Bank Like the Ones You Already Know About | BYOB Series #12
03/12/2026
EP 31 - Creating a Bank Like the Ones You Already Know About | BYOB Series #12
In this episode of the Bankless By Design Podcast, Triciaand Jonathan continue their Becoming Your Own Banker series with the chapter “Creating a Bank Like the Ones You Already Know About.” Together, they explore what it would really take to start a traditional bank—from capital requirements and bank charters to deposits, lending, and the cost of establishing trust in the marketplace. They also discuss the deeper issue Nelson Nash is highlighting: most people have surrendered the banking function in their lives without ever realizing it. This conversation also touches on the fragility of the banking system, the dangers of fractional reserve lending - including the social and political fallout, the importance of human behavior in finance, and why participating dividend-paying whole life insurance offers a practical way to begin reclaiming control. If you’ve ever wondered what it means to truly become your own banker, this episode helps lay the foundation. ------------------------------------------ Follow Thrivewell 👉 Facebook 👉 Instagram 👉 Linkedin 👉 TikTok Get In Touch: tricia@banklessbydesign.com Learn More: banklessbydesign.com 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.
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EP 30 - The 34.5% Headwind Draining Your Wealth | The REAL Problem Part 2
03/05/2026
EP 30 - The 34.5% Headwind Draining Your Wealth | The REAL Problem Part 2
Most financial conversations revolve around rate of return. But Nelson Nash pointed out something very different: the average American may be losing over 34% of disposable income to interest flowing to banks, lenders, and financing companies. In this episode of Bankless By Design, Tricia and Jonathan explore Nash’s famous airplane analogy — explaining why most people are unknowingly flying into a powerful financial headwind. Rather than focusing only on investment returns, Nash challenges us to think about controlling the financial environment in which we operate. Because when you reclaim the banking function in your life, you can begin turning that headwind into a powerful tailwind. ------------------------------------------ Follow Thrivewell 👉 Facebook 👉 Instagram 👉 Linkedin 👉 TikTok Get In Touch: tricia@banklessbydesign.com Learn More: banklessbydesign.com 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.
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EP 29 - The REAL Problem With Money (It's Not What You Think) | BYOB Series #10
02/26/2026
EP 29 - The REAL Problem With Money (It's Not What You Think) | BYOB Series #10
Most people believe the problem with their finances is that they aren’t earning a high enough rate of return. But what if that’s not the real issue? In Part 1 of our discussion on The Problem from Becoming Your Own Banker, Jonathan and I examine the quiet but powerful force draining wealth from most families: the volume of interest leaving their lives year after year. We talk about: – Why focusing on investment returns can distract from a bigger issue – The hidden headwind most people are flying into – How your financial environment may be working against you – And why patience is essential before implementing any solution Before we build anything new, we have to see clearly. Part 2 continues next week. ------------------------------------------ Follow Thrivewell 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 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.
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EP 28 - Think Long Range: What We Learned at Nelson Nash Think Tank (2026)
02/20/2026
EP 28 - Think Long Range: What We Learned at Nelson Nash Think Tank (2026)
Tricia Miller is joined by three fellow practitioners and friends—Jodi LaFrance, Nicole Gardner, and Becca Wilhite—to unpack their week at the 2026 Nelson Nash Institute Think Tank in Birmingham, Alabama (the 20th anniversary Think Tank). This conversation is a behind-the-scenes look at what Think Tank is, why the theme “thinking long range” matters, and what it really means to build a financial legacy that reaches beyond retirement—into children, grandchildren, and generations not yet born. You’ll hear: Why “long range” isn’t 65–80… it’s multi-generational stewardship The power of training kids in cash flow, responsibility, and family banking The human behavior side of banking: repayment, discipline, and integrity A surprising Benjamin Franklin story that proves: the vehicle matters… but behavior matters more Practical takeaways each of these women is implementing immediately Mentioned in this episode: Nelson Nash Think Tank + Practitioner Program Becoming Your Own Banker (Nelson Nash) Rachel Marshall’s Seven Generations Legacy Benjamin Franklin’s Last Bet (Michael Meyer) Call to action: If you’ve felt like a lone ranger practicing IBC, this episode will remind you: there’s a community—and you’re not crazy for thinking generationally. ------------------------------------------ Follow Thrivewell 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 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.
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EP -27 Don't Be Afraid to Capitalize! (Or Take a Policy Loan)| Interview with Nolan Johnsrud Part 2
02/12/2026
EP -27 Don't Be Afraid to Capitalize! (Or Take a Policy Loan)| Interview with Nolan Johnsrud Part 2
In this episode of Bankless By Design, Tricia Miller continues her conversation with fellow Infinite Banking practitioner Nolan Johnsrud, focusing on one of the most misunderstood parts of the Infinite Banking Concept: capitalization. Why did Nelson Nash say “don’t be afraid to capitalize”? Why does paying high premium come first? And why are policy loans not something to fear? This conversation reframes how to think like a banker instead of a borrower. You’ll hear why control matters more than speed, why banks care more about cash flow than eliminating debt, and how rushing to pay off policy loans can actually slow long-term progress. Topics include: Why capitalization matters before a policy can truly work How paying premium first revises your spending pattern How to manage policy loans with discipline — not panic Why Infinite Banking rewards patience and long-range thinking 📘 Books referenced include Becoming Your Own Banker, How Privatized Banking Really Works, and The Creature from Jekyll Island. ⚠️ This is Part 2 of the conversation. Listen to Part 1 first for context. For help reading Becoming Your Own Banker or applying these ideas, reach Tricia at . ------------------------------------------ Follow Thrivewell 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 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.
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Ep 26 - Infinite Banking for Real People: Save & Live | Interview with Nolan Johnsrud Part 1
02/06/2026
Ep 26 - Infinite Banking for Real People: Save & Live | Interview with Nolan Johnsrud Part 1
Saving money shouldn’t mean putting life on hold. In Episode 26 (Part 1) of Bankless By Design, Tricia Miller is joined by fellow practitioner Nolan Johnsrud for a grounded conversation about Infinite Banking for real people. Together, they explore how Infinite Banking helps families save and live at the same time—so they can ultimately thrive. This episode covers mindset shifts around saving, the role of life insurance as a living financial asset, and why long-range thinking creates peace instead of pressure. This conversation continues in Part 2, coming next week. ------------------------------------------ Follow Thrivewell 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 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.
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EP 25 - The Grocery Store Example - Part II: The Back Door Mistake | BYOB Series #9
01/29/2026
EP 25 - The Grocery Store Example - Part II: The Back Door Mistake | BYOB Series #9
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. 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 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.
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EP 24 - The Grocery Store Example – Part I: It’s Not the Rate | BYOB Series #8
01/22/2026
EP 24 - The Grocery Store Example – Part I: It’s Not the Rate | BYOB Series #8
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 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 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.
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EP 23 - Why Infinite Banking Requires Imagination — Not Just Math | BYOB Series #7
01/15/2026
EP 23 - Why Infinite Banking Requires Imagination — Not Just Math | BYOB Series #7
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, metaphors, or unconventional teaching style, this episode will help you see why they matter. Infinite Banking isn’t about ignoring math. It’s about learning to see clearly before you calculate. 👉 Learn more or get started at 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 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.
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Ep 22 — Do You Have to Be Wealthy to Become Your Own Banker? | Becoming Your Own Banker Series (Ep 6)
01/08/2026
Ep 22 — Do You Have to Be Wealthy to Become Your Own Banker? | Becoming Your Own Banker Series (Ep 6)
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 this?” “Is Infinite Banking only for people who already have money?” “Is there a real way out of financial prison?” This episode will challenge the way you think about money, discipline, and long-range planning. If Nelson could build a way out from the middle of crisis, so can you. 👉 Learn more or get started at 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 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.
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Ep 21 — Who Really Controls the Money? | Becoming Your Own Banker Series (Ep 5)
01/01/2026
Ep 21 — Who Really Controls the Money? | Becoming Your Own Banker Series (Ep 5)
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 families intentionally keep that function at home. This conversation lays the foundation for becoming 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 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.
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Ep 20 — Unlock Financial Freedom by Thinking Like a Banker | Becoming Your Own Banker Series (Ep 4)
12/18/2025
Ep 20 — Unlock Financial Freedom by Thinking Like a Banker | Becoming Your Own Banker Series (Ep 4)
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 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.
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Ep 19 — What Infinite Banking Really Is | Becoming Your Own Banker Series (Ep 3)
12/11/2025
Ep 19 — What Infinite Banking Really Is | Becoming Your Own Banker Series (Ep 3)
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 how to take back control of your financial life, this episode will give you the mindset shift that makes everything else make sense. In This Episode, You’ll Learn: • Why the introduction to Becoming Your Own Banker is the key to the entire concept • What Infinite Banking actually teaches (and what it does NOT teach) • Why your need for financing is greater than your need for protection • How whole life insurance becomes a family banking system • What “recapturing interest” really means and how it works • Why mindset—not math—is the biggest barrier to understanding IBC • How properly structured policies unlock financing power • Why most advisors, agents, and consumers misunderstand Infinite Banking ------------------------------------------ Follow Thrivewell 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 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.
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Ep. 18 — Rethinking 401(k)s, Taxes, and Locked-Up Wealth | Becoming Your Own Banker Series (Ep 2)
12/04/2025
Ep. 18 — Rethinking 401(k)s, Taxes, and Locked-Up Wealth | Becoming Your Own Banker Series (Ep 2)
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 inaccessible The difference between dollars and capital — and why it matters How families can store wealth in a place that is liquid, controlled, and generational This conversation is rooted in stewardship, responsibility, and helping families take back control of their financial lives. It’s not about fear — it’s about understanding the system and choosing to operate differently, with intention. Thank you for listening and walking through this series with us. If this episode brought clarity or encouragement, please follow the show, leave a review, and share it with someone who needs it. Let’s rethink retirement, reclaim financial control, and build generational wealth — on purpose. ------------------------------------------ Follow Thrivewell 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 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.
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Ep. 17 – Rethinking Money to Live Intentionally as a Family | Becoming Your Own Banker Series (Ep 1)
11/27/2025
Ep. 17 – Rethinking Money to Live Intentionally as a Family | Becoming Your Own Banker Series (Ep 1)
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 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. ------------------------------------------ Follow Thrivewell 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 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.
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Ep. 16 - Meet Jonathan: A Gen Z Look at Money, Family Banking & Becoming Your Own Banker
11/20/2025
Ep. 16 - Meet Jonathan: A Gen Z Look at Money, Family Banking & Becoming Your Own Banker
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 introduction to Jonathan as we prepare to walk through Becoming Your Own Banker together—mother and son—chapter by chapter in the coming weeks. Whether you’re a parent, a young adult, or simply curious about passing stewardship and legacy to the next generation, this conversation will give you a heartfelt look at how Infinite Banking can shape a family across ages and seasons. Come join us on this multigenerational journey. ------------------------------------------ Follow Thrivewell 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 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.
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Ep. 15 - Control Your Money Without Banks: My Guest Interview on the Infinite Banking Initiative Podcast
11/13/2025
Ep. 15 - Control Your Money Without Banks: My Guest Interview on the Infinite Banking Initiative Podcast
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. ------------------------------------------ Follow Thrivewell 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 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.
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Ep. 14 - The Simple Detour That Puts Your Money to Work for You
11/06/2025
Ep. 14 - The Simple Detour That Puts Your Money to Work for You
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 🔁 How one simple detour — paying yourself first — can change your financial future forever 💰 What uninterrupted compounding really means (and why it’s the 8th wonder of the world) If you’ve ever wondered why your policy isn’t performing the way you hoped, this episode will re-ignite your understanding and help you get your system working for you — not the banks. ➡️ Listen, learn, and take the next step toward becoming Bankless By Design. ------------------------------------------ Follow Thrivewell 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 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.
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Ep. 13 - Skeptic to Steward: Beaver Bankers & Banking at Home - An Interview with Becca Wilhite
10/31/2025
Ep. 13 - Skeptic to Steward: Beaver Bankers & Banking at Home - An Interview with Becca Wilhite
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 multi-generational legacy. We talk policy loans, whole life design, faith-rooted stewardship, and why control (not rates) delivers peace instead of pressure. Becca also tells the origin story of Beaver Bankers and why the beaver-pond analogy is the perfect picture of keeping wealth flowing at home. Listen in to rethink debt, compounding, and legacy—and to see how IBC makes Proverbs 13:22 practical. ------------------------------------------ Follow Thrivewell 👉 Facebook: https://www.facebook.com/people/Thrivewell/61578207568360/ 👉 Instagram: https://www.instagram.com/bankless_by_design/ 👉 Linkedin: https://www.linkedin.com/company/107769593 👉 TikTok: https://www.tiktok.com/@thrivewell_bbd Get In Touch: Learn More: banklessbydesign.com 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.
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Ep. 12 - Show Me the Numbers! Why the Infinite Banking Isn't an Investment
10/23/2025
Ep. 12 - Show Me the Numbers! Why the Infinite Banking Isn't an Investment
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 money: using the same dollar for multiple jobs without interrupting growth A simple, mid-life example policy: liquidity in early years, increasing cash value, and expanding death benefit Why “buy term & invest the difference” misses opportunity cost, access, taxes, and sequence risk Practical steps to start banking at home and compare strategies on apples-to-apples terms About the show Bankless by Design (Thrivewell) helps families, entrepreneurs, and purpose-driven people reclaim control of their money through Infinite Banking and values-aligned stewardship—so you can protect, provide, and build a multigenerational legacy. Enjoyed this? Like 👍, subscribe 🔔, and comment with your biggest question about IBC. It really helps others find the show. - ----------------------------------------- Follow Thrivewell 👉 Facebook: 👉 Instagram: 👉 Linkedin: 👉 TikTok: 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 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.
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Ep. 11 - Whole Life: Virtue or Scam
10/16/2025
Ep. 11 - Whole Life: Virtue or Scam
“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: 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.
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BONUS: When the Paychecks Stop: Why Access to Capital Matters More
10/13/2025
BONUS: When the Paychecks Stop: Why Access to Capital Matters More
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 provides liquidity, security, and freedom from traditional banks — even when the economy stalls. In this episode, you’ll discover: What a government shutdown teaches us about dependency and control Why savings accounts, 401(k)s, and IRAs often fail families in emergencies How to create financial resilience using the Infinite Banking Concept The power of capital stewardship, family legacy planning, and values-aligned wealth building How to build freedom-based finances that can withstand any crisis Tricia reminds us: “There’s never a problem until there’s a problem.” The question is — will you have access to your own capital when you need it most? ------------------------------------------ Follow Thrivewell 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 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.
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Ep. 10 - Faith, Finance & the ‘Scam’ That Isn’t
10/09/2025
Ep. 10 - Faith, Finance & the ‘Scam’ That Isn’t
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, honesty, and provision. You’ll discover: The surprising origins of Whole Life Insurance (yes, really!) Why money is never neutral — and what that means for your faith and finances How Infinite Banking aligns with timeless virtues like care, integrity, and legacy Why comparing Whole Life to an investment misses the entire point This isn’t about numbers on a spreadsheet. It’s about truth, virtue, and reclaiming the way we steward what God has entrusted to us. 🎧 Listen now and see why what’s often called a “scam” might just be one of the most honest, legacy-minded financial systems still standing. ------------------------------------------ Follow Thrivewell 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 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.
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Ep. 9 - How and Why Policy Loans Work
10/02/2025
Ep. 9 - How and Why Policy Loans Work
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 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 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.
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Ep. 8 - Whole Life vs. Term Insurance: What You Need to Know
09/25/2025
Ep. 8 - Whole Life vs. Term Insurance: What You Need to Know
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 wealthy—can become their own banker. ------------------------------------------ Follow Thrivewell 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 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.
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