Evan, just check that we're streaming.
Yep, just checking in, not yet.
We're close, usually takes the-
Takes a second, just about there.
Okay, we are live, I got us.
Rock and roll, man, go.
Hey, welcome back, everyone.
This is such an adventure session 13 of 29
in our rollercoaster weekend of action.
And we are really so, so pleased
to be here with David and Boyd.
And we're going to be talking about banking and insurance
and infrastructure for disabling nations.
It's going to be pretty wild
and you're going to be blown away
to hear what they've been able to accomplish
through a concept that we've been talking about
a bunch so far in the summer
is the power of us actually working in community.
So we're really, really intrigued
and excited to explore this more,
but Boyd, it would be wonderful
if you'd like to open up for us in prayer
and then let's light up this adventure.
Father, we thank you for this opportunity
to be gathered in the fullness of time
as you're recapitalizing all things in heaven and earth
through your son, who come Lord and visit us,
come and release your power for wealth creation
that we can be confirming the covenant together
in ways that bless your heart.
And we pray these things in the name of the Father,
the Son, and the Holy Spirit, amen.
Amen.
Now, Seb, I know that one of your favorite verses
is in Deuteronomy.
Do you want to share your favorite verse with us there,
Seb, from Deuteronomy?
And then I'd love to hear Boyd
talk through some of these really powerful principles
that are embedded in Deuteronomy
that actually are core to disabling nations.
So, good, I used to think the first, you know,
after Exodus, the next three books were a little boring.
Then I really read them and I discovered, you know,
firstly, my favorite verse in there is Deuteronomy 8.18,
which is, for as the Lord your God
who gives you the ability to produce wealth,
for it so confirms your covenant with him,
meaning the production of wealth
is inherently a part of what confirms your covenant
with God and that whole journey has changed my life.
But I know you've got another favorite one
that's a little later in the book.
So hit us through that one.
And I think you may be thinking about Deuteronomy 28.
There are a couple of verses there
on the blessing side of that passage, verses 12 and 13,
where what the Lord is telling us as his people
is that he's going to make us the lender to many nations
and you should not borrow.
Then the next verse,
the Lord shall make you the head and not the tail.
So let's go with like what lenders do.
Lenders, let's say they lend capital.
Now you can spell that word out
and then you can go down to head.
That is the word that's connected with the idea of capital.
The capital of your body is your head.
So we use the word capital in the English language
for capital financially and for capital cities.
It's the same spelling.
Whoever is actually the lender is the head, the capital.
So I don't care who your political officials are,
whoever is banking,
whoever is in control of the capital for banking
is actually the cultural leader.
And that's what we're supposed to be.
So there's a very interesting verse in Ephesians 1.10.
It speaks about Christ as the one who,
the recapitalization, it's sometimes translated
as the summing up of all things in heaven and on earth.
Well, a body is summed up in the head.
The actual word there in the Greek
is the idea of recapitalization.
Christ is recapitalizing all things in heaven and on earth.
He's the new head.
What Adam failed to do, Christ has succeeded.
seated in doing. He's the new corporate man. Okay. And so all
things in heaven and earth are being recapitalized by Christ in
his body. All right. Christ's body is not headless. And Christ
is not just a head without a body, that the body of Christ is
a head and a body we are together with him being called
to recapitalize all things in heaven and earth. How about that,
Benji?
Yeah, man, that, that is, that is so wild. And I'd be good to
hear for people who don't know, whereabouts are you based? So
Dave, where are you sitting right now?
I'm sitting in Minnetonka, Minnesota. It's in the western
metropolis of the Minneapolis St. Paul area.
Yeah, nice. And Boyd, where are you? Where are you based?
Colorado Springs, Colorado.
Very nice. Cool. Well, it's, it's cool to be here. I mean,
since in California, I'm in New Zealand. And we're now seeing
this. I mean, it's just an amazing time in history where
from all over the world, we can gather together. And it's given
the given us the ability to do community. And in the past, you
know, you might have had a few people who had similar thoughts,
but they might have been dispersed all around the world.
But now we have the opportunity just to align, to connect, to
converge, to strategize, to work together. And I think one of the
keys to be able to work together is having a genius blueprint.
And I think that that's something that you guys have
really created in your community, that is creating, I've
never seen, I haven't seen anything like it on the planet
of what you guys are doing. And so if you guys want to just,
you know, between you give us a little bit of an overview of
what's happening in your community. And because I know
that when people start to see it, they're just gonna be crazy
blown away by what you guys are creating.
So what's happened is for Dave and I will just go back and
forth. And you guys can keep us on track of the journey that
we've been on. For my wife, Sheila, and I, we had a had a
real knock in 2008. With our friends and family, we lost, we
lost, you know, 1.5 million plus in value, and watching wealth
disappear in that market downturn. And one of the things
that became apparent during that hard time was that if we were
going to reinvent ourselves, it wasn't a matter of just trying
to find a way to do investing better, we need to figure out
how to do banking, and not as a customer, but as an owner on the
banking side, we needed to switch positions at the desk
from customer to owner on the banking side of the financial
world. Because when it comes to creating wealth, the Deuteronomy
818, there's a couple ways that wealth, we want to just narrow
it down to the tool of money for a moment, we could say there's a
couple ways to create an income or to create income streams. And
there's really only two fundamental ways. One is people
make money. And the other is money makes money.
Investing is not money making money. If you don't have people
at the end of your investment making money, your investment is
going to be worth zero. I have rental properties, and it's
still a people has to write a rent check. It's a people
dependent business investing is. So there's two kinds of
work. There's us working to make money, and then there's money
working to make money. The only people that genuinely have money
making money in their world are the people who are not even
customers of banks and insurance companies. They are the owners
of the bank in an insurance space and banking and insurance
are two sides of the same coin. They're both involved in risk
offset. So what goes on in the money when money is made by
people in an investment space and a people working space, what
you're doing with risk is you're having to manage it. The banking
and insurance business for owners is not the business of
managing risk. It's the business of offsetting risk. The key to
discipling nations economically is we have to be in the risk
offset business, we cannot be only in the business, or even
primarily in the business of managing risk. That's what the
Babylonians do. That's all they can do. If we're going to defund
Babylon and finance Jerusalem, we have to be in the risk
offset business. What does this mean?
Well, I mean, think about it, Benji and Sebastian.
The, if you guys are like our banker for Dave and I,
and you give us a car loan and we make our car payments,
principle and interest, you guys make money, right?
Yeah.
Now, what if Dave and I stop making our car payments?
What are you-
Making money.
Now, I like what you're saying,
and I just want to pause and interrupt just for a moment,
because this is,
I've talked about this a couple of times
in the summit so far,
about the concept of, you know,
we could en masse unsubscribe from banking and insurance,
and in a sense,
defund the catalysts of chaos by doing a mass unsubscribe.
So anyone,
anytime someone talks about the idea of like unsubscribing,
like what you're talking about, I like it.
So carry on.
Yeah, so let's go back to,
if Dave and I stop making our principle
and interest payments to you,
you're bankers, what do you do?
We take the car.
Or knock it on your door.
You take the car.
You repossess the car.
Yep.
Bankers take collateral.
They don't take risk.
So it doesn't matter what Dave and I do.
If we make our car payments, you make money.
If we don't make our car payments,
you still make money.
Yeah.
Bankers always make money.
And it's because it is a different approach to,
it's not a different approach in the sense
that it's contradictory to people making money.
It's more like the foundation that's under any economy.
The actual found,
sometimes we have financial tools out there
called foundations, right?
So when the economic collapse hit in 2008,
Sheila and I and our friends,
we found out that we had a house built on sand.
Wow.
The economic storm came, the winds blew,
the waters came and boom, the house like came down.
The foundation of risk,
what happens in banking,
if you're the owner,
is you've positioned wealth in a place
where it's number one protected from loss.
So there's three things that we've learned
as a community that we need to do.
One of them is we need to learn how to take our wealth
and place it in a format where we actually have guarantees.
There's only really one kind of place
in the business world, in the financial world,
where guarantees happen
and it's in the banking and insurance space.
And it's really the key is to be an owner,
not just a customer.
Most of us have checking accounts.
Most of us pay car insurance, whatever.
We're all, in some ways,
we have a customer relationship
with banks and insurance companies.
But the thing about where most wealth is created,
it's created in the space of people
who own and control wealth in a permanent format,
not in a temporary format.
So what does this mean?
It means, for example,
when we have members of our community participate
in how we go about doing wealth creation together,
if there is a chunk of change
that's deposited with the community,
it goes under an insurance policy and will never be lost.
Wow.
It will never be lost in a great depression.
It will never be lost in some market bubble
because, first of all, it's not being invested.
It's being banked.
You see, the thing about bankers
is they know how to get a lot more value
out of not spending and investing money, but banking it.
That's why they're bankers, right?
Right.
Because if you have money and you spend it on stuff,
you know what you have then?
Stuff and no money.
Yeah.
If you take your money
and put it into a money-making money business
and use the money your money makes to get stuff,
you know what you have then?
Stuff and your money.
And more money coming.
That's at least 200% better,
and we're just getting started.
So everything about money is,
money is way more valuable being banked
than it is being spent or invested.
The key money to spend and the key money to invest
is the money your money makes.
We've got way better things to do with our money
than spending it and investing it.
This is such a key concept for people,
which we've been trying to highlight as well,
is never spend your capital.
Hi.
So what we do is we place capital in a position
because we function,
and this is something we can all do together,
and it's very simple.
We can all function together
as our own private self-regulated.
and family community that operates like a bank.
We are a bank in our community that operates like a bank.
And so what happens is, is when we deposit,
when we place funds or values in our community,
they are protected from loss.
That is the key.
The risk is offset.
Okay.
So just slow that down for us just for one second.
Like how do you offset the risk?
Well, think about what,
if you pair up banking and insurance,
you can hear it kind of in the word insurance.
Like if you have car insurance,
what you've done is you've offset the risk
to the car insurance company
that you're gonna have a crash
and need a check sent to you
to replace the value of the car.
When you relate to a bank,
when you're in a banking and insurance space,
that space is a business of risk offset
so that it has to be set up in such a fashion
that the members can offset their risk
to the Commonwealth in this case, us, okay?
To the company, whatever.
And then there's enough capability in the community.
When an event occurs,
the community has the ability to, if you will,
ensure that situation and offset
so that you offset any potential loss
so you don't end up lost.
Once wealth goes into a position
where it's in a risk offset manner,
the thing that can happen then
is the second thing that happens
for the members of our community
is they get certain regular and predictable rewards.
We call them rewards.
Dave can speak about how these three things,
which I'm gonna get to number three in a minute,
work with some other financial tools.
But what happens is you get certain regular predictable.
We already know ahead of time
what the rewards, the returns are.
We already know that they're gonna be regular,
monthly and annual, and we know it for certain, okay?
This is not something you get with investing.
First of all, with investing,
you do not have guarantees on what we call your face value
or that money that you use to do the investment with.
That's money where that can be potentially lost.
The best thing that you can hope with an investment
is you don't lose your face amount
and maybe you earn something.
But what we're talking,
and then what you're gonna earn
is not certain regular and predictable.
You kind of have to wait until after it all happens
to see what happened.
We already know what's gonna happen before
because the banking insurance business for the owners
is a business where past performance
does guarantee future results.
In investing, past performance
doesn't guarantee a blessed thing because of people.
Because people throw in, when people are making money,
you don't know if they're gonna show up for work or not,
if they're gonna make a good, bad decision.
You don't know, you can't predict what's gonna go with.
Money making money doesn't depend upon what people do.
People can do this, that, or the other thing,
and the people that are the lenders
are gonna make money either way.
Come on.
Okay, now the third thing that happens in our community,
which is what happens when you're in the banking business
as an owner, all the members of our community
continue to own and earn
in what we call the holding companies that we have
after they roll their face amount out.
Because they've helped create that new company,
and after they've helped create the new company,
they get to permanently own and earn in that company,
even after they roll their original face amount out,
and they can roll that face amount out into a new company,
and then just keep multiplying
the value of their face amount.
So what happens is guarantees on your face amount
will not be lost.
The earnings are regular, they're certain predictable,
and you continue to own and earn
after you roll the face amount out.
The question is, where do you get something like this?
Yeah, so let me just kind of quickly summarize that
to kind of help if you aren't realizing
what they're talking about.
They've created as a community,
and this is so genius.
It's so genius, and it works so well.
I've never seen anything like it,
but it's just getting me like connecting with these guys.
So basically they've created a banking system.
It's not specifically outrightly called a banking system,
but functionally it is.
And what they do is, so say you put $100,000 in,
and 10 people put $100,000 in,
they've got a million dollars.
Then you would use that million dollars there
as leverage, right?
You're not spending that money,
but you put that into the account and you use it as leverage.
It's much more valuable to the community as it creates leverage because we turn the cash into a cash asset that's actually, it's deposited.
Yeah, it's much more valuable deposited than paired up with some other kinds of assets. We create the value by depositing the money.
Yeah, so you've got cash assets deposited in your fund. And then what do you guys do with that? And this is great because this is even better than getting a loan, right?
Because you guys don't operate with your community. You've got the ability because you've got high level bankers in your community.
You've created a partner-to-partner relationship with other banks as well, as opposed to what most people do, which is a client-to-bank relationship.
That's correct. We don't function as customers of banks. We're in a bank-to-bank relationship with banks, which means that we're able to utilize forms of credit that are different than loans.
If you take what money you can and go buy a house and then put the house under a loan, the house is under what we call a bad form of debt now, and you have to pay that off to zero before you even get back to zero.
But what we're doing as a community is we have assets that enable the community to function in an overall net debt-free way so that any of the partner-bank relationships we have enable us to do something that's multiplying wealth. So yeah, let's keep going down your path.
So you've got cash assets, then you guys have created this ability to go and have peer-to-peer relationships with banks, which gives you a line of credit, which is actually different to a loan, correct?
Yeah, we have an ability to pay on an interest-only monthly basis on these lines, and we use that as the mechanism for actually acquiring the assets that are held in the holding company. So all of our money remains banked. We don't directly use it. We indirectly use it to create this capability for still acquiring the assets.
Dave, what's some examples of assets you guys have been acquiring in the process?
Well, I think the last asset we just acquired a couple of weeks ago was a tractor supply store up in North Dakota. So really they're performing commercial assets. We really like plazas. So I don't know what the associated word would be for other countries, but yeah, like a mall with a solid anchor store that's been there for a while, long-term lease, and then has multiple other businesses surrounding it.
So it's a lot of commercial real estate performing assets, and it's also assets that the banks we're partnering with really like. So you could go to your bank down the street and say, hey, I've got this apartment building I want to purchase. They may not like it. It may be a great asset, but it may not be what they're looking for.
So we partner with banks, and as a partner, we want to make it beneficial for them too. We're not in it just for us. So we bring them assets that they want on their books, because what do banks do with that stuff?
Yeah, it turns into a piece of paper, a note that they can turn around and leverage for more money to lend out to make more money, because they're in the business of banking. So we are very good partners for them. They're good partners for us.
Yeah, you guys usually work with smaller family banks as opposed to a lot of like the bigger, more conglomerate banks.
Yeah, the smaller family banks, the small regional banks, they have a business model that works really well. The bigger banks have a different kind of model that they want to exercise for controlling cash on deposit.
We like to have the cash on deposit controlled. That works better. Because what happens when the cash on deposit is controlled in relationship to existing assets that we have, remember the past performance that guarantees future results?
For us, an existing asset means one that we've held for probably at least a couple of years. That creates the existing asset category in the eyes of our bank.
So if we have existing superior performing commercial assets, like Dave was describing, paired up with cash, what will happen is the partner bank will work with this, they'll issue a line of credit.
The line of credit is what we use to create the asset.
acquisitions, if you can think of it, the existing and cash assets kind of function as a, as a big, I think of it as they place kind of like a temporary hold on those assets.
As soon as the revenue starts to flow from the new asset acquisition, within a few months, six to eight months, the partner bank will release their hold on those previous assets.
And you know what we do on the day that they release the hold on those assets we already have?
We do it again.
We reuse the value again.
So somebody that participates with your a hundred thousand, we're going to be able to see at a, at a very conservative minimum, the reuse of that a hundred thousand, maybe four times in the first 36 months.
It's being reused by just sitting there.
It's sitting there doing something very, very important.
It's called capital.
Yeah.
Whoever is in control of capital, you see is running the show.
If you don't control capital, you're working for Faro, trying to get enough money to pay your cell phone bill today.
Okay.
Yeah.
What do we call that boy?
The golden rule.
Everybody's familiar with the traditional golden rule.
The golden rule is the gold makes the rules.
Absolutely.
That's the golden rule.
Yeah.
So what, so let's just quickly overview this.
People in your community are putting in together some money.
They got a fund there.
You use that money as leverage, not as a deposit.
Right.
So using your capital as leverage, not as a deposit.
Well, we deposit it to use it as leverage.
We just don't want to spend it.
As opposed, but as opposed to paying it all to the bank.
And now you've got zero.
You deposit it so that you've got a bunch and you've got leverage and you go, you purchase a mall with a line of credit through a peer to peer relationship
with a bank.
They put a hold on that mall for, say, six months.
And then the day that they release that, you've already lined up your next acquisition, which is, say, another mall or your next tractor station or your next commercial property.
And so as a community within, say, 36 months without spending, you actually haven't spent a dollar through this whole process.
So once you haven't spent a dollar and you've purchased maybe half a dozen major commercial entities that are all self-funding, self-propagating at the end of that 36 months, if people want to, they can take all of their capital out without having spent a dollar.
But in that process, without spending a dollar, have now acquired six major commercial assets.
And then with that same money, they can start all over again and do it all over again.
And no one spent a dollar.
Well, yeah, and the dollars that we're not spending are ours.
Our dollars are being banked.
We're using our dollars to acquire a wonderful kind of money in the world called other people's money.
Yes, because that's what our partner banks are in business to do.
They want us to use that credit.
That's so what our money is paying.
We use the credit, other people's money, right, to acquire.
None of our dollars have been spent.
They've just been marvelously multiplied, because if you take a chunk of change and go directly into an investment, here's what happens.
You're dependent now upon that investment being successful.
And if you have to get your money back, you've got to refinance, you've got to sell.
And so that becomes complicated.
The. So, yeah, the thing that's happening here is our values, we're seeing bankers are the ones who are in the ownership position of banking.
They can grow wealth by multiplication.
If you're invested, you're directly dependent upon that one apple tree producing apples.
What we're doing is we're producing multiple apple trees that, yes, they do produce apples.
But it's reusing the money over and over.
And and that's that's the key to to what we do.
It's genius. And I think what you said earlier is that banking and insurance are tied together.
So how have you guys been able to fuse banking and insurance in your community?
I mean, there's a lot of beauty here.
And David, I love if you just kind of like start helping us understand what you guys have got going with how you synergize banking and insurance.
Yeah, well, so there's there's banking and insurance inside the way we structure the board was just talking about as well, just on its own.
But one of the foundational tools the board and I use personally and many members of our community
use as the foundation, the absolute foundation of their financial environment is whole life insurance.
And I don't know.
I know.
When North America, you know, the US and Canada, this is very
prevalent. And we have companies, mutual life insurance
companies, again, that that word of community mutual, that have
been around for 110 150 150 175 years plus. And they've been
profitable every single year. And, and as a owner, because
it's a mutual company, it's owned by policy owners, like
myself, I have six policies with these mutual companies. But
that is really the first foundation and Boyd does such a
great job of tying things together. Like the big picture,
the philosophy of money and banking, and bringing in biblical
parallels, and how we're supposed to behave with money.
You know, when I talk about this tool, it's a more practical
discussion on specially designed whole life insurance, which has
been around longer than the IRS, the Internal Revenue Service,
here in the States. And so it's a staple, it's been a staple of
for generations of the wealthiest families in the
country. And it's one of those things, it's it's not super
exciting, which is why the typical the average American or
Canadian probably use it as something that as a as a
necessary evil to have insurance, right? I think we
all consider insurance kind of a necessary evil, like, I'm
putting money away for my auto insurance, because I have to by
law. And, you know, yeah, it makes sense. It's smart, but it
may be wasted money, because I may never even file an auto
claim, right? If you're a good driver, and, and nobody else
hits you. And then it's wasted money that the great tool about
this, but I mean, we ensure everything, right? Your car,
your house, your your precious, your valuables, maybe jewelry or
laptops, your iPhone, for goodness sakes, people ensure
their iPhone, but they don't ensure the greatest asset that's
responsible for producing the income that the revenue that is
able to purchase all those other assets. And what is that asset?
It's you, you are your greatest asset, because without you,
there is no money to go buy those things that you need to
ensure. So we often overlook ensuring our greatest asset. And
everybody has something called a human life value. This is a
term from Solomon Huebner, boy could definitely tell you a lot
more about him than I can. But, you know, we hate to say that,
you know, we are all priceless children of God. However, in the
economic world, there is a price, there is a human life
value in associated dollar amounts to each and every one of
us. And that's based on our production capability. How much
of a producer are you? So how much money can you make every
year over your working life? And that's what the insurance
company says, okay, that's what you're worth. So my goal and
what many members of our community do is they we ensure
ourselves to the max extent possible. Yeah, that the
insurance company says you're worth $5 million over the next
30 years. That's how much we'll insure you for. But we do it in
such a way that the policies are designed to, to really
minimize that death benefit and maximize the amount I pay every
year. Yeah, because you know, Boyd said a lot of words, and I
think those have been repeated throughout this discussion over
the last 35 minutes. Community, capital and control. Those are
three primary pillars of this tool is you got to work inside a
community, a mutual insurance company. You want control of it
like a banker, right? Because he who has a goal makes the rules.
You put your money somewhere that accelerates that cash
value growth inside that policy. And you control whatever's done
with that. And it's guaranteed to grow, there's nothing you can
do about it. And the longer you have it, the better it gets, the
more money, the more it grows every single year. And then you
become capitalized at a certain point. Right. And I think what
what we probably all realize is, once you have capital, opportunity
will find you. Come on. Yeah. I mean, and right for many reasons,
because one, if you don't have capital for opportunities,
you're not even going to have your eyes, your heart, your mind
open to opportunities, because you have no way to to
participate. But if you have capital, your eyes, your own
your subconscious is going to be open to those opportunities,
you will start seeing those and they will start jumping out at
you left and right. Like they have for me and Boyd and many
other people in my circle, where opportunities are coming, you
know, from every which direction. And now it's a choice
of okay, which is the best
and the right opportunity for us right now.
Yeah, I mean, I'm just talking with you guys recently.
I mean, how many how many opportunities do you guys review a month?
Well, I think the team, you know, our chief consultant
and his team review a 200 to 250 deals a month.
Yeah, most of the process is coming to us by by people approaching us.
Yeah, right. We don't look for anything
because at some point you get you get to that point where
like anybody who's heavily involved in real estate once they've made a name
for themselves and people know them, they say, well, that person, they can close.
And if it's a good deal, they're going to take it.
So here you go.
So, yeah, we get really the pick of the litter, as they say.
I think this is a good place with what they just did
is to go back and ask the question, where else can you get guarantees
on a chunk of change going somewhere where it's not going to be lost?
Where can you get certain regular, predictable rewards?
And where can you continue to own and earn after you've rolled
the equivalent of what you put in, out and go do something else with it?
There is one other place you can get this.
It's with those whole life policies that David was just describing
with a mutual company, because guess what?
Mutual companies, guess what business they're in?
Banking insurance business, and it's done on a private basis.
They're called mutual companies because they're mutually owned
by people like us who have these policies.
Mutual companies have customers and we are not them.
We are pro rata owners.
In the banking and insurance business with these policies.
What does this mean?
It it means that we get all of our money protected under insurance policy.
People that have these things during Great Depressions, they don't lose a dollar.
They continue to certainly and predictably regularly earn
even during the Great Depression.
And there's a mechanism which is a kind of I call it a line of credit.
I wish the mutual companies did, but they call them global cash value.
You can take a loan against your policy from the mutual company.
It's not a loan from your policy.
It's other people's money from the mutual company that you can in turn use.
You get those same three things with these policies.
So we as a community, we basically function
like a mutual company in the area of real estate.
We do what the mutual companies do with human life value.
We do the same thing with real estate, and we have most of our members.
They like having the policies and they like having our community programs
because they're basically they're they're based on the same DNA.
I let me jump in there for a minute.
I am we got to we'll start bringing in for a bit of a landing.
But the thing that started me on this journey was several years ago.
I was in Colorado.
I was in Denver.
I listened to an amazing presentation.
I'd never heard of the concept of whole life insurance policies before,
but it's Mr.
Nash, Neil Nash.
No, never.
Nelson, Nelson, Nelson.
There's the book.
I've got the same book just in my cupboard right here.
Nelson Nash.
Brad, you're becoming your own banker.
Yeah, look at that.
Look at that.
So a little.
Here we go now, just to warn everybody, that book is currently out of print,
so it's going to cost you about 700 dollars on Amazon.
I've got one fresh copy.
I'll sell for 300 if anybody wants it.
But I can't get it.
Turn it into an NFT.
Yeah, you can get it on.
So just go there.
Yeah. So that book, they're becoming your own banker.
That's crazy. Look at that.
And the key is the phrase infinite banking down the bottom, infinite banking.
That's that's the reuse of the same value over and over again.
That's what you do when you don't spend money, but you bank it.
Yeah. So anyway, I discovered this.
Yeah. Several years ago in Colorado.
So just up the road from where you are right now, Boyd.
And I was like, well, this is crazy, but New Zealand doesn't have it.
And I've been like wrestling with this kind of like idea for a number of years.
I've been like, man, how do we do this?
It's not just that easy just to reproduce.
But we've been definitely exploring it.
But I love for what you guys have done is created amazing synergy.
So especially people who are in America and Canada want to just,
you know, where there are whole life insurance policies.
And we're also in the mentorship after this
going to be exploring this with Boyd of how international people can get into
what they're doing, but
what that what the whole life insurance policy enables you to do
is actually you put money into it. Brilliant.
Actually, you can divert all of your income into it if you want,
which gives you more leverage.
And so you can actually take an interest free loan from your own policy.
Is that that's how it works, right?
Well, technically.
When you take that money, you take it as a loan because you're not taking your own.
Let's say this is your cash value. You created an equivalent line of credit over here from a
different pot of money, the insurance companies. So you take that as a loan and you are going to
pay interest on that. But guess what you're earning over here? You're earning interest
and dividends on the entire amount because your money never left. It's still in there
earning for you and just creating more leverage for you to borrow against.
But what you're working with with your crew is then taking that money, which you're borrowing
from your whole life insurance policy, and then putting it into your own community's banking
dynamic, which because of the policies, people are actually able to leverage hundreds of thousands of
dollars, drop it in there. And so you're activating this mindset and this understanding around wealth
that is really an elite mindset, which is the velocity of money. So you have your money,
making money, making money, making money, making money.
And the only way you can do that is you have to offset the risk on the money,
because as long as any type of wealth is under risk, all you can do is hope that you don't lose
it and maybe gain. As soon as any kind of wealth is put into a offset risk, you can do infinite
banking. That's what becoming your own banker is. You get into that game. And just to type,
because I know you want to land the plane on a loose end here. It's important to understand
if you have one of these policies, you're a mutual owner in the mutual company,
because you've got a community of people that have now created the ability to offset risk.
And essentially, it's a private way of self-insuring the members. The key with our
partnership is when we acquire one of those plazas, or one of those office buildings,
or whatever we're acquiring those assets, none of us directly own those assets.
We own the holding company that owns the assets. What that means is, is our members effectively
are set up in such a fashion, because of our strength, we're able to, if you will,
self-insure every member to create the guarantees that nobody's capital will be lost.
And one of the proofs of that is we have an outside insurance company that actually looks
at the partnership and says, yep, you guys are a private self-regulated community that's able to
take care and self-insure your own members. So sure, well, we'll give you a very special
form of casualty insurance over the entire operation called a fidelity bond.
So we actually have an outside insurance policy over the operation. But the only reason we have
that is because we are like a mutual company that can self-insure our members, because we have
a community that has the power to do that for every member. That's the confirming of the covenant.
The power to create the wealth to confirm when you got people in covenant, you're able to create
the guarantees. And as soon as you start creating guarantees, it means you're in the banking
business as an owner. And now you're in position to start discipling some nations around here.
Totally. And it's really, that's how you really heavenize the earth. It's from as it is in heaven,
so it is on the earth. This is through that real process of communal covenant confirming
relationship that really establishes a new system for people that's risk-averse in the dynamic that
we're talking about, which is so powerful. Guess what happens when treasure is stored
in heaven? It's where moth and rust do not destroy the wealth. The wealth that is connected to a
heavenly storehouse is permanent wealth. That's the key. Everything else is moth rust gets a
hold of it. And all you can do there is eat, drink, and be merry for tomorrow you die. That's
the economy that gives rise to all forms of status control over capital, crony capitalism,
and also centralized forms of capitalism in the form of Marxism. They're both status controls.
Those are both perversions of capital. The key is when we place capital in a format
that is in our kingdom format, we're in the business of using that capital to do what?
To capitalize others in the community so that they can become permanent owners. This is the
whole thing about leaving Egypt, going into the desert, and then into the promised land. When
you go into the promised land, you've transitioned from working for somebody else as a slave to
becoming a permanent owner. It is not just ownership. It is placing wealth in a format
where you can offset the economic effects of death. What I love about these whole life policies,
there is a column of numbers with every
whole life policy that's headed by a very odd phrase. It's called death benefit. What a crazy
odd phrase. What that is saying is that's the portion of the future wealth that you're going
to create, that if you're not here on the planet creating it, it's still going to go to your heirs.
In other words, what we're doing with the policies, what we're doing with our communities,
we're offsetting the economic effects of death. That means that we are doing an economy that
the Babylonians will never be able to do. It's an economy of infinite banking, an economy of
permanent wealth, and once wealth is permanentized, you can create fruitfulness by multiplication.
We are not given the command to be fruitful and just add. It's be fruitful, multiply,
fill the earth, subdue it. Our fruitfulness must be in the form of multiplication. Otherwise,
we are not going to be discipling any nations. The moment you get into wealth and multiplication,
then you're in a position to start fulfilling Deuteronomy 28.
Fantastic. Hey, well, we'll be really excited. I know that for a lot of people,
these concepts might be like, wow, that's really interesting, kind of intriguing,
like capturing them, but not like fully landing. And definitely for me, it took a good
period of time to kind of soak in it and really get my head around it. So we'll be really excited
to have Boyd back during the mentorship program as well. And we'll see, we might be able to get
Dave in for that as well. But I have chatted to Boyd about this in the mentorship program
to be able to create some opportunity for you guys to actually really sit a little bit more
and go a little bit deeper and understand some of these concepts more thoroughly,
because they're very exciting, very, very powerful. And we are working on creating
some portals or some pathways together for how international people can participate
in this. So that's a process and an infrastructure that we're working on at the moment.
Yeah. But if you're in the U.S. and you feel the itching to get started in this process
with you guys, what's the best step forward?
I suppose they could email either one of us. My email is dave at centerpoint.partners.
And Boyd, what's yours?
Yeah, it's bmorris at centerpoint.partners. And yeah, we can be sure everybody is able
to contact us. And then we just personalize and customize this kind of conversation that we have
had here that Benji just said that we can have in some other forums and group settings. It's really,
Dave and I just love to meet with people one-on-one and personalize and customize all of
this in a way that creates what we call a roadmap, a personalized way of taking people,
anybody from where they're at to where they want to go. And we create a roadmap in between those
two points. And it takes all of this kind of conversation and makes it very concrete,
graspable. And there you go.
So amazing. Well, gentlemen, what a gift to the planet. And
I think that the more that people kind of lean in and see what you've created and the impact of it
and the capacity of it and the just everything about it, I think the more they lean into it
and the more that they connect with you guys as well and just see like your heart and something
that you probably won't know about Boyd is that he is a bishop. And yeah, so he's got a number of
books he's written. Something you won't know about David is that he's an ex-fighter pilot.
These guys are just amazing. And when you get to know their stories and their hearts and their
journey, you will just fall more and more in love with them, with what they're creating.
And I love your phrase, Boyd, about heavenizing Earth. And that's really your heart and your
motivation is how do we actually bring the infrastructure of heaven and establish it
systemically into the Earth? But it has to start somewhere. It has to start in community.
And I love how you guys have communicated to people the power of community, that we do have
massive leverage in community. And you guys have created the systems and the opportunity for people
to jump on board and flow into that. So I guess on behalf of the whole planet, thank you for what
you guys are doing.
Yeah, thanks for giving us the opportunity to share.
Seb, any final thoughts from you, my man?
No, I love it so much.
I'm excited for this, some momentum to just keep building in this space.
And, you know, for us as a movement with raising royalty,
but also this cross-pollination of partnership with helping people really understand that
if you can think about your finances the way heaven thinks about your finances,
then everything is limitless before you.
And so this is a cool place to be.
So I'm excited to be on the journey with you guys.
Fantastic.
Hey, next up we have Marina with a phenomenal story.
So, so powerful.
Grew up in Tajikistan during a complete economic collapse
and the whole nation went into crazy poverty.
And, I mean, that had huge ramifications on her, on her family,
and how actually just completely destroyed everything really when that collapse came.
But her journey of rising from the ashes out of that place,
we're so excited about that.
But Dave, would you close for us in prayer as we wrap up?
Yeah, absolutely.
Father God, we just thank you for this time.
Lord, I just thank you for Benji and Sebastian,
Boyd and all the other presenters here and all the attendees.
Lord, we're just looking for a way to build your kingdom through the principles
that you've already laid out to us.
Help us keep our eyes open, our hearts and our minds open to,
to the way you're speaking to us about just how to, how to build this community,
how to bring heaven to earth.
And Lord just bless the rest of this, this event.
And I just thank you for everybody here who's a part of it.
In Jesus' name we pray.
Amen.
Fantastic.
Thank you so much, gentlemen.
Have a wonderful rest of your day, and we look forward to journeying further.
And for those that are keen to go deeper,
I see Rachel's dropping email addresses in the comments at the moment,
which is cool.
We'll send you guys email addresses as well so you can connect with these guys.
But thank you so much.
And we look forward to more in the mentorship and more in the days to come.
So bless you.
Bye guys.