Your Money, Your Rules

By Teresa Villaruz

Embark on a transformative journey towards financial empowerment with "Your Money, Your Rules: A Step-by-Step Guide to Becoming Your Own Bank." In a world where financial literacy is often overlooked, this book addresses the misconception that you control your money, when in reality, the banks do - and we've been gladly handing them the power to

• Language: English
• Publisher: Amazon Direct Publishing
• Release date: Feb 16, 2024
• ISBN: 9781963247480

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Your Money, Your Rules

A Step-by-Step Guide to Becoming Your Own Bank

Teresa Villaruz

Copyright © Teresa Villaruz 2023

All Rights Reserved

All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the author's prior written permission, except in the case of brief quotations embodied in critical reviews and certain other non-commercial uses permitted by copyright law. For permission requests, please get in touch with the author.

Contents

Dedications

Acknowledgments

Preface

Introduction

Chapter 1 Who Controls Your Money

Chapter 2 What is a Bank-Owned Life Insurance (BOLI) Policy?

Chapter 3 Why the Ultra-Wealthy Have Life Insurance

Chapter 4 How Money Flows

Chapter 5 Understanding the Concept

Chapter 6 Why Life Insurance is the Tool of Choice for IBC

Chapter 7 The Dual Growth Strategy of Infinite Banking

Chapter 8 Why Doesn’t Everyone Become Their Own Bank

Chapter 9 Real Life Examples Of IBC Clients

Chapter 10 Famous Entrepreneurs Who Used BYOB For  Their Businesses

Chapter 11 Creating Your Personal Banking System

Chapter 12 Advanced Tips to Consider

Conclusion

Epilogue

Call to Action

Dedications

To my husband and best friend, Dustin, I thank you for being an amazing partner, for supporting me, taking care of me, and being there for me, especially when I needed lifting the most. I love you.

To my daughter, Hayden, I am forever grateful that God has blessed us with a wonderful, kind, bright child. I love you more than you can ever imagine.

To my mother, Tess, who has given up everything to provide for me and my siblings. A mother who gives and gives and gives and asks for nothing back. You are my hero! I love you.

To my in-laws, Emelda and Bill, who contributed to my growth. You treated me as if I were your own child and helped guide me to become the person I am today. I love you both.

Acknowledgments

The LORD has told us what is good. What he requires of us is this: to do what is just, to show constant love, and to live in humble fellowship with our God.

- Micah 6:8

First and foremost, I would like to acknowledge our creator - our heavenly father - for challenging me, for qualifying me, and finally giving me my calling.

I would like to acknowledge the extraordinary debt I owe to my supportive and loving family. I wouldn’t be where I am if it wasn’t for their encouragement to push myself to my limits.

A huge thank you to my caring husband, Dustin, who has been there with and for me through my challenging cancer treatments and healing journey… and through the ups and downs of life, really.

To my daughter, Hayden, who has been my inspiration and the living proof that God blesses us with what we need. You have made me into a mother who will stop at nothing to share the abundance with the world and hopefully become a model that you could be proud of.

To my dear friends who have dedicated some of their precious time to help me with this book, Nelson Toriano, Anna Glenn, and Han Nguyen. Thank you, thank you, thank you.

To my aunties, Marie Cabanilla and MJ Alipio, who have dedicated time, energy, and mentorship to help me grow my life and annuity business.

From the bottom of my heart, I thank you all!

Preface

When