People rarely stall on starting a policy because they doubt the asset. They stall because the premium sounds like a bill they can't picture paying every year for decades. So before any illustration gets run, do the unglamorous step first: find the money.
Go through three months of bank statements and total what's actually left after everything, including the fun. That number, whatever it is, is your starting point. Not the premium you wish you could carry. The one your real cash flow can carry without heroics.
Then look for dollars already sitting idle. Money drifting in a savings account beyond your emergency cushion has done its one job and stopped. Routed into a policy instead, the same dollar keeps a death benefit in force while building cash value you can still reach later through policy loans. One dollar, two jobs. That's the frame this whole family of sites runs on, and it starts with noticing which of your dollars are idle.
Some families don't have an idle pile. They have an inefficient flow, decent income that the month somehow eats. If that's you, fix the flow first. That's a different project, and it's exactly what Dynamic Banking teaches. Plenty of people run that playbook for a year and produce a premium they were sure they didn't have.
Something to note: fund from surplus, never from strain. A policy that lapses in year three because the premium was heroic does more damage than starting a year later ever would. Premium flexibility exists, and paid-up additions can flex down in a tight year, but flexibility rescues a rough season. It can't rescue a wrong-sized commitment. Sizing it right from the start is the whole subject of How Much Should You Actually Put Into a Policy?