Where It All Began

Discover the Legacy, the Books, and the Truth Behind IBC®

The story, the vision, and the strategy.

“There are only two sources of income:

people at work and money at work.”
— R. Nelson Nash, author of Becoming Your Own Banker®

Before it was a Strategy, it was a Revelation.

Before the Infinite Banking Concept® became a financial strategy taught around the world, it was a quiet but powerful idea in the heart of one man: R. Nelson Nash.

He wasn’t a Wall Street executive or a billionaire. He was a forester, a businessman, and above all, a believer in personal responsibility.

What he uncovered wasn’t just a product — it was a mindset.
A radically different way of thinking about money that challenged the system, empowered everyday families, and offered a path to real financial freedom.

His discovery was simple, but life-changing:
“You finance everything you buy — either by paying interest to someone else, or by giving up the interest you could’ve earned.”
Once he saw this clearly, there was no turning back. He knew he had to share it.

Today, the strategy he shared has helped thousands take back control of their finances through something often overlooked — and deeply misunderstood: whole life insurance.

But the Infinite Banking Concept® (IBC) isn’t really about insurance.
It’s about autonomy. Ownership. Building a system that works for you, not against you.

And it all started with one book, one idea, and one mission:
To help people like you reclaim control of your money — and your future.

Unlock the Infinite Banking Concept®

Before it became a global movement, the Infinite Banking Concept® (IBC) was introduced in one simple, eye-opening book: Becoming Your Own Banker ®by R. Nelson Nash.

This isn’t a book about selling insurance.
It’s about reclaiming control.

In its pages, Nash reveals the financial traps that keep people stuck — taxes, interest, lost opportunity cost — and how to escape them by building your own private banking system using a specially designed whole life insurance policy.

He explains:

Why banks always win — and how to flip the script.

The true cost of financing everything through others.

How to create a system where your dollars work for you over and over again.

The “Human Problems” that keep people from building wealth (and how to overcome them).

It’s a short read, but the impact lasts a lifetime.

More than a strategy, Becoming Your Own Banker ®is a wake-up call. A mindset shift. A powerful invitation to stop depending on broken systems and start taking full control of your financial life.

“You finance everything you buy — either by paying interest to someone else, or by giving up the interest you could’ve earned.”

“Wealth must reside somewhere. The best place is in a free contract between free people — whole life insurance. From this base of financial operations, you can do anything else you desire in life.”

- R. Nelson Nash

Get Becoming Your Own Banker

Carlos Lara often signs his books with the message:

“Help build the 10%.”
Because it only takes a small group of people,

thinking differently, to change everything.

Get How Privatized Banking Really Works

The Bigger Picture:

When Economics Meets Strategy

Carlos Lara & the Power of Privatized Banking

After Becoming Your Own Banker® opened thousands of eyes to a better way to use money, a new question emerged:
How did we get here? And why don’t more people know about this?

Carlos Lara — a respected financial consultant and CEO of United Services & Trust Corporation — had spent decades helping businesses and families navigate complex financial terrain. Alongside Austrian economist Dr. Robert Murphy, he felt a deep calling to bring the bigger picture into focus for everyday Americans.

Encouraged and supported by R. Nelson Nash, the two co-authored How Privatized Banking Really Works — a groundbreaking book that connects the Infinite Banking Concept® (IBC) with the foundational ideas of sound money, liberty, and personal empowerment.

This book doesn’t just explain how IBC works — it shows why it matters.

It reveals:

How the modern financial system keeps people dependent on debt, speculation, and inflation.

And how you can step out of that system and into one of clarity, control, and ownership.

This isn’t theory. It’s an invitation to reclaim your role as the steward of your financial future.

The Nelson Nash Institute

Preserving the Legacy. Expanding the Movement.

The Nelson Nash Institute (NNI) was founded to protect, teach, and expand the message that Nelson Nash first shared with the world:
That everyday people can take back control of their financial lives by reclaiming the banking function using whole life insurance.

NNI is more than an educational platform — it’s a beacon of clarity in a noisy financial world.
Led by economists, advisors, and passionate practitioners, the Institute exists to ensure that the Infinite Banking Concept® is taught with integrity, accuracy, and a deep respect for its origin.

Through its Practitioner Program, the Institute trains and certifies advisors who uphold the true principles of IBC.
As a certified IBC Practitioner through the Nelson Nash Institute, I carry that responsibility with pride.
Because this isn’t just about selling policies — it’s about helping you design a financial system that works in real life and lasts for generations.