A viewer asked me to walk through, step by step, how money moves between investments, Dynamic Banking, and my policies. I told him I don't have a step-by-step template. I do have a way of looking at where a dollar can go, which is the subject of a video on moving money with investments and infinite banking.

When money lands in your hands, from a paycheck or from selling something, you have three choices. You can save it, invest it, or spend it. Normally you get one. Save it and you aren't investing it or spending it. Spend it and it's gone. Invest it and it's tied up, so you can't spend it unless you get out, and it usually isn't safe enough to call savings. It may not even be liquid, which means you can't easily turn it into cash.

A high cash value whole life policy changes that math because three things are written into the contract. The growth is guaranteed, although dividends on top of it are not. Access to the cash is guaranteed, through loans of up to about 95% of the cash value. And the design aims for a break-even period of about four or five years, which is when you have more money available in the policy than you've paid into it. I also design for as much cash as possible in the first few years.

Routing your regular expenses through the policy builds on this, and I cover it in running your regular bills through your cash value policy. Take a car payment, a utility bill, or property taxes, something you pay on a schedule. Normally that money sits in checking until the due date. Instead, you send it into the policy and bring it back out to pay the bill. That helps you reach the most you're allowed to put in each year, and the money is working in between. It takes longer to get money out of a policy than out of checking, so you plan around that.

When you borrow against the policy, the insurance company charges you interest. The key is that they also credit your policy with the same amount, or sometimes more, and how much depends on the policy. A loan reduces the cash value and death benefit while it's outstanding.

Before you pick the next place for a dollar, ask which of the three jobs it's doing now and whether it could do a second.