This excerpt from Becoming Your Own Banker promotes the Infinite Banking Concept®, a financial strategy using dividend-paying whole life insurance policies to create a personal banking system. The author details his experiences and rationale, illustrating how this method allows individuals to control their finances, avoid high interest payments, and build long-term wealth. The book contrasts this approach with conventional banking and investment practices, highlighting the inherent costs and limitations of the latter. Numerous examples and illustrative calculations support the claims of the Infinite Banking Concept’s superior financial outcomes, emphasizing the importance of understanding the underlying mechanics of banking and investing. The text also includes supporting arguments from other economists and financial experts.