For those new to infinite banking, understanding how to take control of your financial future can feel overwhelming. While the concept of using whole life insurance as a personal financing system has gained popularity, it’s important to explore the full range of wealth-building strategies available.
Whether you’re looking to learn the basics of infinite banking or discover a more comprehensive approach to financial independence, the right resources can make all the difference. Below, we’ve compiled some of the top infinite banking books and strategic wealth-building to help you navigate this powerful financial concept—and beyond.
“Heads I Win, Tails You Lose”: Jumpstarting Your Financial Future Through Strategic Wealth Building
By Patrick H. Donohoe
Heads I Win, Tails You Lose isn’t just another book on infinite banking—it’s a paradigm shift in financial thinking. Patrick Donohoe, CEO of Paradigm Life, goes beyond the standard infinite banking model to teach readers how to create certainty, cash flow, and long-term financial security.
Unlike other books that focus solely on infinite banking, this book introduces The Perpetual Wealth Strategy™, an approach that:
- Builds guaranteed liquidity and financial flexibility using whole life insurance.
- Integrates alternative wealth-building strategies beyond policy loans.
- Helps investors take control of their capital while protecting against market volatility.
For those seeking a strategic, long-term wealth-building plan—not just a banking strategy—this book is essential.
2. Becoming Your Own Banker – The First of The Infinite Banking Books
By R. Nelson Nash
Becoming Your Own Banker is the foundational book that introduced the concept of infinite banking through properly structured dividend-paying whole life insurance. Nash explains how individuals can:
- Create their own private banking system using policy loans.
- Break free from traditional lenders and recapture interest.
- Build financial independence through long-term policy design.
While this book is valuable for understanding the basics of infinite banking, it does not address cash flow optimization, risk management, or multi-generational wealth strategies—areas where The Perpetual Wealth Strategy™ provides a more complete framework.
3. Building Your Warehouse of Wealth”: Expanding on Infinite Banking Principles
By R. Nelson Nash
A follow-up to Becoming Your Own Banker, this book expands on Nash’s financial philosophy, introducing additional wealth-building strategies. Nash also explores:
- The philosophical aspects of financial independence.
- His views on government, taxation, and self-reliance.
- How infinite banking aligns with long-term wealth creation.
This book is useful for those who want to dive deeper into Nash’s thinking but does not explore alternative wealth strategies beyond infinite banking.
4. “Bank On Yourself”: Mastering Financial Tools and Independence
By Pamela Yellen
Bank On Yourself is an accessible introduction to using whole life insurance as a financial tool. Pamela Yellen explains:
- How to use policy loans for major expenses like cars and education.
- The benefits of predictable wealth-building over stock market volatility.
- Why dividend-paying whole life insurance provides a unique financial advantage.
While Yellen presents a compelling case for financial control through whole life insurance, her approach remains focused on policy loans as a primary strategy—something The Perpetual Wealth Strategy™ expands beyond.
5. “The And Asset”: Unleashing Financial Control and Growth
By Caleb Guilliams
This book presents a modernized perspective on using whole life insurance as an “AND asset”—a financial tool that provides liquidity while simultaneously growing wealth. Guilliams highlights:
- How to access capital without disrupting long-term growth.
- Strategies for using policy loans to fund real estate and business ventures.
- Why whole life insurance is a versatile financial tool rather than just a death benefit.
This book serves as a beacon for individuals aiming to protect and reclaim their financial sovereignty and design strategies for wealth creation. Guilliams elucidates methodologies that empower readers to generate uninterrupted compound interest and leverage this growth to finance major expenditures such as cars, real estate, and other investments.
“The And Asset” is not just a book; it’s a blueprint for anyone ready to actively shape their financial future, demonstrating how to harness financial tools to achieve both wealth accumulation and protection.
6. “Killing Sacred Cows”: Debunking Financial Myths for True Prosperity
By Garret Gunderson
“Killing Sacred Cows,” a critically acclaimed work by Garrett B. Gunderson with Stephen Palmer, has made waves as a New York Times and Wall Street Journal bestseller. Gunderson, a renowned entrepreneur and the visionary behind Wealth Factory, has devoted his career to demystifying personal finance and challenging pervasive myths that obstruct financial growth.
This groundbreaking book takes aim at widely accepted but fundamentally flawed financial beliefs and practices. Gunderson meticulously dismantles misconceptions surrounding finance in areas such as:
- Traditional and perceived “safe” investment avenues, including 401(k) plans
- The standard approach to retirement planning
- The real impact of net worth versus cash flow on financial health
- Effective money management strategies
- The truth about debt and its role in personal finance
- Unveiling the hidden factors that contribute to financial difficulties
7. “What Would the Rockefellers Do?”: Emulating the Wealth Strategies of an Iconic Dynasty
By Garret Gunderson
In What Would the Rockefellers Do?, Garrett Gunderson explores the proven financial strategies that have enabled the Rockefeller family to build, preserve, and grow their wealth for generations. This insightful book provides readers with a blueprint for long-term wealth management, offering practical strategies inspired by one of the most successful financial dynasties in history.
Gunderson outlines key principles used by the Rockefellers, including:
- Strengthening cash reserves and uncovering overlooked financial opportunities.
- Maximizing returns on low-yield savings without unnecessary risk.
- Increasing retirement income while maintaining financial security.
- Leveraging large purchases to create new wealth-building opportunities.
More than just a historical account, What Would the Rockefellers Do? provides actionable insights for individuals looking to build financial certainty, create generational wealth, and implement strategies that go beyond traditional investing and retirement planning, making it one of the top infinite banking books.
8. “Live Your Life Insurance” & “Busting the Life Insurance Lies”: Unveiling the Truth for Wealth Enhancement
By Kim Butler
Kim D. H. Butler, a seasoned financial expert and the visionary behind Prosperity Thinkers, has authored “Live Your Life Insurance” and co-authored “Busting the Life Insurance Lies” with Jack Burns and James Ranson. These works are integral to a series that seeks to transform public perception, value and utilization of whole life insurance as a cornerstone for building sustainable wealth.
“Live Your Life Insurance” is one of the top infinite banking books because it offers an in-depth exploration of how whole life insurance transcends its traditional role of providing financial security upon death. Butler elucidates the dynamic ways in which individuals and families of all ages can leverage their policies as a powerful tool for wealth accumulation and financial resilience.
