Tag Archives: Real Estate Investing

Break Free from Debt | Avoid High Interest Rates in 2026 | Episode 155



Are you drowning in debt? In 2025, the average U.S. household carries between $105,000 and $150,000+ in debt — and for many families, high-interest payments have become a normal way of life. But what if you could eliminate debt, bypass traditional banks, and build unstoppable cash flow by becoming your own bank?

In this episode ofPrivate Banking Strategies, Vance Lowe and Seth Hicks break down a powerful real-life case study revealing how one family usedproperly structured whole life insurance policiesto create a private family banking system. Instead of relying on traditional lenders, they leveraged the Infinite Banking Concept to pay off high-interest debt, grow tax-advantaged cash value, and build multi-million-dollar generational wealth — all while keeping their assets private and protected.

Vance and Seth discuss:

  • How to Eliminate Debt Using Whole Life Insurance (Infinite Banking Explained)
  • Why the Wealthy Build Private Family Banks with Cash Value Life Insurance
  • Paying Off High-Interest Credit Card Debt with the Infinite Banking Strategy
  • Turning Monthly Expenses into Passive Income Assets Through Private Banking

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Stop Saving Money: Why the Rich Don’t Rely on Savings Accounts | Episode 154



What does it truly take to build generational wealth that endures for decades? While many families rely on traditional strategies like 401(k)s, IRAs, stocks, and real estate to grow and transfer wealth, few are aware of a time-tested strategy quietly used by affluent families for more than 200 years.

In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks walk through a real-life inspired case study showing how families can create a private family banking system designed to grow wealth, improve cash flow, and maintain financial control. Learn how one family strategically plans for college funding, business opportunities for their children, and a tax-efficient legacy — all while protecting their capital from market volatility, inflation, and traditional banking limitations.

Vance and Seth discuss:

  • Why High-Income Families Still Feel Financially Stuck
  • Case Study: The Rivera Family & Building a 100-Year Private Family Bank
  • Paying for College, Funding Businesses & Protecting Family Cash Flow
  • Purchase Your Own Debt with Infinite Banking

To Watch this Episode,  Please Visit the Private Banking Strategies® YouTube Channel:

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Protect Your Family’s Financial Future: Top Money Mistakes to Avoid | Episode 152



In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks Esq., reveal how families build generational wealth—and why most lose it. By comparing the Vanderbilt and Rockefeller families, they explain how financial structure, mindset, and education determine whether wealth lasts or disappears.

They break down the Rockefeller Waterfall Method, showing how life insurance, trusts, and private family banking can help everyday families protect assets, reduce taxes, and create lasting family wealth. This episode is essential for anyone looking to move beyond short-term investing and build a true multi-generational financial legacy.

Vance and Seth discuss:

  • Secrets of the World’s Wealthiest Families | History of Billionaires & Generational Wealth
  • Vanderbilt Family Wealth Collapse: Why Most Fortunes Don’t Last
  • Rockefeller Family Wealth Strategy That Built Multi-Generational Legacy
  • The Rockefeller Waterfall Method Using Life Insurance & Trusts
  • How Everyday Families Can Build Generational Wealth Like the Rockefellers

To Watch this Episode, Please Visit the Private Banking Strategies® YouTube Channel:

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How to Double Your Cash Flow: The 100-Year Family Bank – Part 5 | Episode 148



Build financial abundance the smart way—without unnecessary risk.

In this episode of the Private Banking Strategies Podcast, Vance Lowe and attorney Seth Hicks explain how high-net-worth families use private family banking and Infinite Banking principles to make every dollar more efficient.

Learn how to put the same money to work more than once through tax-advantaged compounding, uninterrupted liquidity, and a simplified wealth system designed for long-term cash flow and generational wealth preservation. This proven private banking strategy allows families, entrepreneurs, and investors to recycle capital, protect purchasing power, and create financial certainty for decades.

Episode Timestamps

  • Financial Abundance Made Simple: Structuring Your Money the Right Way
  • Using the Same Dollar Twice to Increase Cash Flow
  • Where to Store Money to Beat Inflation and Stay Liquid
  • Why Banks Use Life Insurance as a Financial Asset
  • Why This Wealth Strategy Is Simpler Than You Think

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel: 

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Connect with Seth Hicks and Vance Lowe:


The Smartest Way to Grow Wealth: Why Savvy Investors Shift Cash Out of 401(k)s | Episode 143



Discover the best place to keep your cash for stability and growth! Learn where high-net-worth individuals store money for maximum growth potential and uncover the history of banking through high-cash-value whole life insurance contracts—the same strategies used by banks and major corporations. Perfect for investors, entrepreneurs, and anyone seeking financial freedom through proven, low-risk wealth-building strategies.

In this episode of the Private Banking Strategies podcast, Vance Lowe and Seth Hicks discuss whywhole life insurance policies offer unmatched flexibilitycompared to restrictive retirement plans like 401(k)s, and howdebt consolidationdone the right way can help you organize liabilities to create thebest possible growth valueinside your personal economy.

Vance and Seth Discuss

0:00 – The Best Place to Keep Your Cash for Financial Stability
2:55 – How to Position Your Cash for Maximum Growth Potential
6:25 – The History of Banking and the Rise of High-Cash-Value Whole Life Insurance
12:34 – Whole Life Insurance Flexibility vs. 401(k) Restrictions
17:30 – Strategic Debt Consolidation: How to Structure Debt for Optimal Wealth Growth

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel: 

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Connect with Seth Hicks and Vance Lowe:


The “No-Risk” Investment Strategy: Build Lasting Financial Success – Part 2 | Episode 141



We’ve all been told to invest our hard-earned savings in “safe” or “logical” places — yet every investment seems to come with risk. But what if there was a way to secure your money in a protective financial vault that not only preserves your wealth but also helps it grow and compound, shielded from market volatility and government intrusion?

In this episode of the Private Banking Strategies Podcast, hostsVance Lowe and Seth Hicks reveal the no-risk investment strategy the ultra-wealthy have leveraged for generations. Discover how to build a winning money mindset, make smarter financial decisions, and protect your wealth using private banking principles that keep your money working for you — safely and effectively.

Vance and Seth discuss:

  • Recap: How to make the most profit possible — and why you should never steal from your own bank.
  • The #1 Rule for Financial Success: Discover the 10% Law and why it’s the foundation of wealth building.
  • The Velocity of Money Explained: Learn how to use money to give it value with a real-life example of cash flow in motion.
  • The Hidden Silent Partner in Your Business: Understand how taxes quietly erode your profits and the key strategies to reduce tax impact.
  • The Tax Advantage of Private Banking: Explore the little-known benefits of Internal Revenue Code 7702 and how it can legally grow your wealth tax-free.

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel: 

Resources:

Connect with Seth Hicks and Vance Lowe:

 


Unlock Financial Prosperity with Lines of Credit | Episode 136



Using a line of credit can be one of the most powerful financial tools for building wealth and achieving long-term financial freedom — but only if it’s set up the right way. Whether you’re an investor, entrepreneur, or simply want to stop depending on traditional banks, you can create a line of credit that works for you — not against you.

 In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks, Esq. reveal how to strategically use a line of credit inside your own private banking system to take control of your money, grow wealth safely, and escape the traps of traditional banking. Learn how to make your money work in two places at once — compounding even while you borrow against it.

Vance and Seth discuss:

  •  What Is a Line of Credit and How It can Work for You
  • How to Use HELOCs (Home Equity Lines of Credit) as Powerful Financial Tool
  • The Life-Changing Secret: How to Use Money Like the Banks Do

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel: 

Resources:

Connect with Seth Hicks and Vance Lowe:


How to Survive a Real Estate Market Crash | Episode 134



Do you own real estate and worry about market swings or another recession hurting your investments? With today’s uncertainty, many investors are searching for ways to protect their hard-earned assets.

In this episode, of the private banking strategies, Seth Hicks esq. uncovers a powerful, under-the-radar strategy—becoming your own private banker—to safeguard your portfolio, protect your capital, and find opportunities even in a downturn.

Seth discusses:

  • Asset Protection Strategies: Shield Your Wealth from Dodd-Frank Regulations
  • Private Banking Secrets: How to Grow Wealth Outside Traditional Banks
  • Whole Life Policy Loans: Borrow to Fund Real Estate Investments
  • Think Like a Banker: Catapult Your Real Estate Investing Success

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel: 

Resources:

Connect with Seth Hicks and Vance Lowe:

 


Escape Bank Bail-Ins: How to Safeguard Your Wealth with Tax Advantages | Episode 131



We’ve been told banks are the safest place for our money—but the truth tells a different story. Since the Dodd-Frank Act, banks now hold the power to seize deposits during an economic downturn, leaving your hard-earned cash at risk.

In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks, Esq. break down the dangers of traditional banking in the U.S. and introduce a proven alternative that the ultra-wealthy have used for centuries to protect, compound, and grow their wealth.

Discover how to take control of your financial future, safeguard your savings, and create a legacy of lasting wealth.

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel: 

 

Vance and Seth discuss: 

  • The hidden dangers of keeping your money in a traditional bank account
  • The history of Federal Reserve control and the power of choosing a private banking alternative
  • Why properly structured life insurance outperforms banks for asset protection and long-term wealth growth
  • Fractional reserve banking explained: how banks leverage your deposits vs. why life insurance companies can’t—and why that benefits you
  • How your private banking system allows your money to grow tax-free

Resources: 

Connect with Seth Hicks and Vance Lowe:

 


Profiting From Debt – Accelerate Your Repayment Journey Today | Episode 130



Debt can feel overwhelming—but there’s a way out. In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks, Esq. share a powerful strategy to eliminate debt the smart way while creating long-term financial freedom. Learn how Infinite Banking not only helps you pay off debt faster but also builds the habits and wealth strategies that put you back in control of your money and your future.

Vance and Seth discuss:

  • How to restructure your debt repayment strategy to start your own private banking system
  • Real-life example: How restructuring debt inside your personal bank can transform your financial future
  • Why changing your money mindset is the key to becoming debt-free and building wealth
  • How to profit from debt the same way banks do with Infinite Banking Strategies

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel: 

Resources: 

Connect with Seth Hicks and Vance Lowe: