Wealth On Main Street 268: How Infinite Banking Solves Business Cash Flow Stress
Do you ever feel like no matter how smart or hardworking you are, your money still controls you? You save diligently. You invest cautiously. You budget wisely. And yet, you still feel stuck—like something is missing.
That’s because for most people, the traditional financial system wasn’t designed to empower them. It was designed to profit off them.
That’s where the Infinite Banking Concept comes into play.
In a recent episode of Wealth On Main Street, hosts Jayson Lowe and Richard Canfield spoke with Taran Sousa, an advisor with Ascendant Financial Inc., to explore how the Infinite Banking Concept (IBC) isn’t just a financial strategy—it’s a life-changing philosophy. It puts you back in control of your money. It creates freedom, not restrictions. And more than anything, it builds a legacy of peace, purpose, and possibility.
From Career Burnout to Financial Awakening
Taran Sousa’s path to financial clarity didn’t begin with charts or compound interest calculators—it started with a gut feeling.
He was 20, newly placed in a promising internship, working within an engineering firm that most would consider a solid first step in a successful career. Then one day, he walked into the office feeling excited and hopeful about his future.
When he greeted a co-worker with enthusiasm and said he was feeling “amazing,” she looked at him and replied flatly, “You haven’t been here long enough.”
It sounds like a passing comment. But for Taran, it was a wake-up call.
That moment sparked a deeper awareness. He started observing people who had been working at that same company for 30 or 40 years, doing the same thing every day. It hit him hard—he didn’t want to spend his life in the same cycle. There had to be more than just waiting for weekends, raises, and retirement.
That realization set him on a path of personal development. He began reading, attending seminars, and looking into different business models. Eventually, he opened his own martial arts studio.
It didn’t succeed long term, but it taught him something vital—how important it is to find work that brings both fulfillment and financial growth.
When COVID hit and he was laid off from engineering once again, Taran made a firm decision: He wasn’t going back. He was going forward. That’s when he found Infinite Banking.
Infinite Banking: The Ad That Changed Everything
One day, scrolling on Facebook, Taran saw an ad featuring a smiling Jayson Lowe talking about Infinite Banking. Curious, he clicked. And that changed the direction of his life.
He watched the webinar. He became a client. And somewhere along the process, something happened.
This wasn’t just a clever way to use insurance—it was a completely different way to think about money. It aligned with everything he had been searching for: freedom, fulfillment, and scalability.
“This just made sense,” Taran shared. “I’d explored real estate, stocks, crypto—but Infinite Banking gave me the foundation I was missing.”
And from there, a new career was born—not just helping himself, but helping others understand how to take back control over their finances too.
Infinite Banking Isn’t What You Think
Let’s get one thing clear. Infinite Banking is not about chasing the highest returns. It’s not about beating the market or playing the system.
It’s about opting out of the system altogether.
Here’s the truth: most people finance everything they buy. They either pay interest to someone else (like a bank or credit card) or they give up the ability to earn interest by paying cash. Either way, they lose.
Infinite Banking solves this by allowing you to become your own banker. You fund a dividend-paying whole life insurance policy that builds guaranteed cash value. That value is accessible to you—through policy loans—whenever you need it. You can use it to buy a car, invest in a business, pay for emergencies, or even just improve your cash flow.
All the while, your money continues growing inside the policy, uninterrupted.
As Nelson Nash put it in Becoming Your Own Banker: “This is not about investments. It’s about how one finances the things in life.”
That simple truth reframes everything. It’s not about returns. It’s about control.
The Power of Understanding the Infinite Banking Concept
As an advisor, Taran says his favorite part of the job is seeing when clients “catch it”—when the concept finally clicks and their mindset shifts from traditional thinking to empowered ownership.
It doesn’t happen at the same moment for everyone. Some see it during their first policy illustration. Others see it when they compare IBC to the mounting interest they’re paying on credit cards, car loans, or mortgages.
One client Taran worked with used a policy loan to buy a smartphone outright instead of going through a two-year contract. That small shift made them realize: I’m in control. I can finance this on my terms and pay myself back instead of Verizon.
It may seem like a small win—but it creates a domino effect. Once people experience that kind of freedom, they want more of it.
Infinite Banking: Speaking to the Overthinkers
Coming from an engineering background, Taran knows what it’s like to overanalyze everything. That’s why he’s so good at helping clients who come in with spreadsheets, calculators, and dozens of questions.
“My analytical clients usually want to look at every single number before making a move,” he said. “But I always say—focus on the logic first. If it logically makes sense, the numbers will take care of themselves.”
That approach resonates. It helps people shift from paralysis to progress. Once they stop obsessing over the minutiae and understand the principle, they feel free to take action.
And that action changes everything.
For Millennials: Use Your Time Wisely
Taran has a message for his fellow millennials: “You have time on your side—use it.”
In a world of crypto pumps, influencer investing, and get-rich-quick advice, Infinite Banking is a long game. But it’s the kind of long game that builds real wealth—slowly, steadily, and securely.
Taran believes the sooner you start, the more options you’ll have later. And with the financial environment constantly changing, having control over your own capital is no longer optional. It’s necessary.
If you're tired of riding waves you can’t control, IBC is the foundation that helps you build your own ocean.
Infinite Banking: The Truth About Behavior
It’s easy to focus on the product when talking about Infinite Banking. But as Taran points out, the real power lies in the policyholder’s behavior. “The insurance company will always do what they say. The real variable is you.”
You have to be consistent. You have to think long-term. You have to honor your commitments to yourself.
The product is designed to work. The question is, are you?
When clients treat their policy with the same respect they give a mortgage or car loan—but in this case, paying themselves—it builds discipline. And that discipline turns into financial strength.
That’s what Infinite Banking is really about. It’s not just about creating wealth. It’s about creating a life—one where you’re in the driver’s seat and your money is working for you, not against you.
Infinite Banking is Your Turn to Take Control
You’ve read this far because something resonated.
Maybe it’s the desire to stop living paycheck to paycheck. Maybe it’s the frustration of watching your money disappear into interest payments. Maybe you just want to sleep better at night knowing you have a system that works for you, not the bank.
Whatever it is—you don’t have to wait anymore.
Start by reading Becoming Your Own Banker by Nelson Nash. Then book a call with an Authorized IBC Practitioner. Watch the episodes. Attend a webinar. Plug into the community.
There’s no magic bullet—but there is a proven path. And it begins when you decide to think differently.
Because when you control the banking function in your life, everything changes.
Not someday. Not eventually.
Today.
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