The Infinite Banking Concept® (IBC) is privatized banking, using the cash value of a whole life insurance policy as the platform. Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute, dedicated to educating consumers about Infinite Banking. Listening to this podcast, you'll learn about life insurance, cash value, dividends, policy loans, policy design, and more. Most importantly, you'll learn how IBC puts you back in control of your money so you can keep it, grow it, and pass it on without taking any of the unnecessary risks that you otherwise get when you listen and follow the mainstream advice about personal finance. The podcast title, "The Fifth Edition," is a tribute to the final print edition of Nelson Nash's book, "Becoming Your Own Banker," before his passing in 2019. The Fifth Edition podcast is our way to carry on Nelson's mission by explaining The Infinite Banking Concept® in simple terms so that you can make it real in your life!