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How I Create “Tax-Never” Wealth Using Infinite Banking with Real Estate, Business, and Oil & Gas

Most people think Roth IRAs are the ultimate tax-free investment tool. And don’t get me wrong they’re better than most government-controlled plans out there. But what if I told you there’s a way to go even further?

What if you could combine Infinite Banking with real estate, business, or even oil and gas investments and actually create a potential tax-never scenario?

That’s right. Not just tax-deferred. Not just tax-free. I’m talking about using strategies that allow you to grow, use, and access your money without Uncle Sam taking a bite out of every step.

The Problem with Roth IRAs (And Why They’re Not Enough)

The Roth IRA is a great start. You pay taxes upfront, your money grows tax-free, and you can pull it out later without paying taxes again.

The problem? You’re still limited by government rules contribution caps, income limits, and restrictions on what you can actually invest in.

Even worse, the Roth doesn’t let you invest in your own business or anything where you own more than 25%. So if you’re an entrepreneur, real estate investor, or business owner—you’re boxed out of your best wealth-building opportunities.

The Power of Infinite Banking

Infinite Banking changes that game completely. It uses a properly structured whole life policy (what I call Max ROI Infinite Banking) to create a private wealth system that works like your own bank. You put in after-tax dollars, it grows tax-deferred, and you can access it tax-free without waiting until you’re 59½.

But the real magic happens when you learn how to combine Infinite Banking with tax-advantaged investments.

When I borrow from my policy, my cash value keeps growing uninterrupted while I put that borrowed money to work in other assets. It’s the only way I’ve found to make money in two places at once.

Using Infinite Banking in Your Business

Here’s where it gets fun. As a business owner, you’re already sitting on one of the best tax shelters in America. When I borrow from my policy to reinvest in my business—say, in marketing, new hires, or systems those expenses are deductible. Meanwhile, my cash value in the policy keeps compounding in the background.

That’s what I call turning business expenses into wealth creation.

Even better? If the policy loan or bank line I’m using charges interest, that interest can often be written off too. You’re literally stacking tax advantages on top of tax-free growth.

Real Estate and the “Tax-Never” Combination

Real estate is already one of the most tax-efficient wealth tools out there thanks to depreciation, bonus depreciation, and cost segregation. But when you pair that with Infinite Banking, it becomes a powerhouse.

Let’s say you’re a Real Estate Professional or your spouse qualifies as one. Now, your real estate losses can offset active income from your job or business. Combine that with tax-free policy growth, and you’ve effectively created a structure where money grows and flows without being taxed now or later.

That’s not theory. That’s exactly how the wealthy play the game.

Oil & Gas: The Hidden Tax Advantage

One of my favorite “advanced moves” is pairing Infinite Banking with oil and gas working interest investments. Many of these deals allow for up to 75–80% of your investment to be deductible in year one.

That means if you invest $100,000 through your policy, you could write off $80,000 of it this year, earn income from production, and still have your cash value compounding inside your policy. It’s a triple win growth, cash flow, and major tax relief.

Why I Call It “Tax-Never”

When you combine these tools Infinite Banking, tax-advantaged business or real estate investments, and strategic deductions you can create what I call a tax-never situation.

Here’s what it looks like:

• After-tax dollars go into a life insurance policy.

• Policy cash value grows tax-deferred and is accessible tax-free.

• You borrow against the policy to invest in tax-advantaged deals (business, real estate, or energy).

• The investment returns pay back your loan, while your policy continues compounding.

• Along the way, you get deductions or depreciation that reduce taxable income.

No IRS waiting periods. No government handcuffs. Just control, liquidity, and tax efficiency.

The Bottom Line

Look, you don’t have to be rich to use what the wealthy have used for decades—you just have to be right about how you use it.

Whether you’re an entrepreneur, real estate investor, or simply tired of giving away more to taxes every year, Infinite Banking gives you a way to take back control of your money.

And when you combine it with smart investing and tax strategy, it can help you reach financial freedom much faster than any traditional plan ever could.