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The 5 Questions Podcast
Join us as we unlock real estate and business insights, one question at a time.
The 5 Questions Podcast
Unlock Your Wealth: The Infinite Banking Revolution for Real Estate Investors With Jose Salloum
Infinite banking expert Jose Salloum reveals how real estate investors can create their own banking systems for fast, credit-check-free access to investment capital while their money continues growing through dividends. This powerful wealth-building strategy operates outside traditional financial systems, offering tax advantages and allowing investors to use the same dollars multiple times.
• Real estate investors benefit from creating their own banking systems for quick access to capital
• Properly structured infinite banking policies continue growing even when borrowed against
• The top companies have paid dividends consistently for over 100 years through all market conditions
• Dividends grow tax-free when properly managed with expert guidance
• Special provisions allow moving money tax-free from corporations
• Same dollars can be used 2-4 times when combined with real estate strategies like BRRRR or flipping
• Anyone with income or assets can start, but must be coachable and financially responsible
• Convert debt to wealth by changing how you pay existing obligations
• Never pay cash directly - instead, borrow from your banking system while original funds keep growing
Learn this powerful process now! https://ibcfinancial.com/
Sponsored by: https://podcast.lendcity.ca/
Search for the Wisdom Lifestyle Money Show on your favorite podcasting platform.
They have a deal. They need $200,000 in a few days. Guess what? No credit check, nothing. They get it in five days.
Speaker 2:Welcome to the 5 Questions Podcast, where we unlock real estate and business insights, one question at a time.
Speaker 3:Are you looking to build wealth through real estate investing in North America? I'm Scott Dillingham and on the Wisdom Lifestyle Money Show, I'll be your guide to smart investing across Canada and the US. Each week, I break down the strategies successful investors use. From understanding cross-border financing to hearing from experts, I deliver actionable insights you won't find anywhere else. Whether you're a seasoned investor or just getting started, I'll help you navigate the unique opportunities in Canada and the US real estate market. Search for the Wisdom Lifestyle Money Show on your favorite podcasting platform.
Speaker 2:We are here at Xpand again and I have the pleasure to have another special guest. I am here with Jose Saloum. Jose, I'm so happy to have you on the podcast today.
Speaker 1:It's a pleasure to meet you, Mario.
Speaker 2:You are a specialist, and specialist is a small word for infinite banking. You have lots of wisdom and I want to talk to you about that subject because I feel like not a lot of people are aware of the benefits of using infinite banking. But first I'd like to start by talking of maybe you can explain how a real estate investor can use infinite banking to their benefit, to to help them in their journey that's amazing because the biggest and the best clients that we have are reset, invested, because they understand the importance of infinite banking in their lives by becoming their own bankers.
Speaker 1:And this is access, fast access of their cash, without credit check. So it is fast access of liquidity to fund any deal. And when they do that, guess what? The cash doesn't leave their banking system. So let's say they have five hundred thousand dollars in their banking system that they create and they have a deal. They need two hundred thousand dollars in few days. Guess what? No credit check, nothing. They get it in five days and how much left in their banking system? More than $500,000, because the next day they borrow they have a dividend added every day Is that good.
Speaker 2:That sounds like magic to me. I really am more curious about it and we're going to dissect that a little bit more and talking about having more money that grows even when you take it out.
Speaker 1:it goes to my second question we never take it out, we always leverage it that's the secret you leverage your power.
Speaker 2:So that's that goes in with the second question, and, and it's how does the cash value grow in?
Speaker 1:a policy. You know this is a great question. Sometimes I get this question the company we work with. We have in our brokerage firm 19 companies, but we choose one which is not only the Mercedes, it's the Rolls Royce. This company exists over 103 years. They never miss a dividend. So their formula is a secret. I saw the part of another formula. It was one meter long part of it. So no one know, except about five people in the company. They know this formula so. But this company and the Great Depression they pay dividend. And the Second World War they pay dividend. 23 crashes in the market they pay dividend. No negative year, no missing any year. How they do it? They have the expertise to do that because they don't invest in the market, in the stock market. So all the companies that they invest in them are outside the manipulation of the market volatility. Wow, that's.
Speaker 2:I don't even know where to start because that's we're not used to seeing that like. It's almost impossible, like you know, when most people invest in markets and then there's uptrends and downtrends, and if you can use a policy that is paid regularly without fluctuation, that is really amazing.
Speaker 1:It is also compounding. It is like this and this will create wealth in your life by moving only the money from the wrong place, from the left place, to the right place. It's not an investment. Many people think infinite banking is a whole life. No, Infinite banking is a philosophy, is a process. It's not a product. Infinite banking where you store your money your money should be stored somewhere. You create a warehouse of wealth and, while it's there, give you a dividend under your control, private, guaranteed to growth. And when we say dividend, it's not taxable dividend, by the way, it's outside the taxation system, so you don't pay taxes on that and you can leverage it. Opm you start to use it as a tool to practice the OPM, as you know the other people's money.
Speaker 2:So that leads into the third question I have for you what kind of tax implication does this kind of formula or system is for people that use it? Are you taxed on the money that you take out or on the dividend that are paid?
Speaker 1:The dividend is not taxable at all never if you don't withdraw it. There is something called Adjust Cost Space ACB, so we have the expertise to guide our clients. So they don't pay taxes at all in all terms. But if they respect the rules in the infinite banking, they 99% point nine, nine they will not pay taxes. The only person can destroy the system and make it taxable is if they misuse it, if they abuse it. So anything you know you take any car. If you don't follow the maintenance, if you don't change the oil, there is consequences. So I have six banks and in my system system I will never pay taxes. Why? Because I know how to use it and I respect the rules.
Speaker 1:So you can put it in your corporation, especially as a real estate investor, and there is a special window. Here's the beauty you can put as much as you want if you are qualified, and there is a special window in the tax law. It's not a loophole. It is established by the government that you can take out all your money from your corporation tax-free. Is that good that it is amazing.
Speaker 1:So you can use your dollars two, three and four times the same dollars if you do the burr flipping and if you establish it with many, so you can use your dollar two, three and four times the same dollar If you do the burr flipping and if you establish it with the right structure. We help our client to establish the right structure. It's not only a life insurance. It's more than that. I'm known as the IBC expert across the United States and Canada the IBC expert across the United States and Canada and we have hundreds and hundreds of clients to establish the right structure to put their best, also designed whole life insurance with a mutual company in their structure, and this way we create wealth for them, non-taxable wealth.
Speaker 2:And I want to make something clear for our viewers and listeners today, jose you need to follow the guidance, because these are systems that you don't want to screw up. You need to follow the guidance of experts like you to make sure that we can take advantage of all the systems and keep growing exponentially, like you said.
Speaker 1:Absolutely. Look, we are here to serve our clients and to create wealth for them. And what I did for my children, my family, what I did for my clients, my clients I don't like them, by the way. I love them. We want to do good in their lives and sometimes we refuse to take clients because if they don't demonstrate that they are ready to think differently, if they are irresponsible in their spending, we put them in a system to establish a systematic system to prove that they are responsible. But this is very, very rare. We deal with doctors, with real estate investors, with entrepreneurs that they want to improve their wealth and create wealth from just moving the money to the right place.
Speaker 2:So this is so far you know. It's amazing because you can reuse the same money. If you follow the rules of the system, it can grow compound effect. Now maybe some people are asking themselves how much do you need to start a policy? Can anybody do it? Do you need to be a millionaire to buy those type of policies or to put the money in there?
Speaker 1:Infinite banking is for everyone, but not everyone can use it or establish it because, first, they should be coachable. We don't know what we don't know. If you want to be a banker, you should read little bit, spend about between three to ten hours education. We coach our clients, so they need to be ready to be coachable people right. Second, there's no free money. So so if you have assets, if you have good income, you can start this. If you have debt like mortgages, car debts, whatever it is you can, we can help you. The only people we cannot help irresponsible and, let's say, if they are in very, very, very low income because they need to be approved to create a system here. You are not buying life insurance. You want to buy life insurance. You can go and buy a term life insurance, but if you want to establish a bank, it's like you need to fund it. You should fund it from where? And we teach people the principle of paying yourself first 20% of your income before you spend it. You should put it on the side. Where do you put it? In your system? Not in other people's bank. When it is there, you can start to use it to pay your debt.
Speaker 1:We have people. They have lots of credit cards debts. We have people that they have cars and payments and mortgages and not too much liquidity. But they are sincere, they want to improve, say I don't want to be in this division, I want to improve myself, I want to be wealthy. I don't want to pay all this interest to the banks and financial institutions. I want not, I like. So when there is the will, there is a way and we coach our clients and all is on us. We help the clients to be wealthy if they want to be what. You can bring the horse to the water, but you cannot force him to to drink, to drink, yeah so that's.
Speaker 2:That's a very good point for our listeners. So if, if you want to start, you maybe don't have, you know, you don't think you have the money or the knowledge, you're gonna coach them and show them how to do it. So that's a very good point.
Speaker 1:Excuse me, Many people think that they are not qualified because they imagine for health issue, for money. But when we met them and we have the creativity, we have the expertise, they are shocked. Say wow, People with tears Sometimes we have clients with tears and I'm always honest Say we thought that we are finished and now you give us a sure hope that we are going to enjoy our lives. It's amazing.
Speaker 2:Yeah, and our last question, which we talked a little bit about it. So people with debt they can still participate and you can help them, because a lot of people have debts these days and sometimes it's hard to get out of it, but people still have hope to get out of that with that system.
Speaker 1:I become wealthy by debt. It depends on if there's bad debt and good debt. If someone is playing in the casino, I cannot help him, but if someone, they have mortgages, they have a little bit credit cards debt and they demonstrate that they want to be better, they want to save. We teach them how to pay their debt and while they are paying the debt, they accumulate wealth. We convert the debt to wealth, but not everyone is qualified for that, in a sense that they should be coachable. This is very important and demonstrate that the willingness to be better. I have that. Maybe you have debt, but guess what Debt we can convert to wealth by is how you pay your debt Right. One of the rules we can tell from now never pay cash, never pay liquid right away to debt. Put it in your banking system or in your bank. Borrow from your banking system and pay your debt. While you are doing that, the money continue to grow in your banking system and your bank as you never touch it.
Speaker 2:That's amazing. This system is really mind-blowing and I think we could talk for hours about it, so we might have to do some more sessions on it, but for today, our time is up and we have to go back to the conference. But, jose, thank you so much for being our guest on the podcast today, and we will talk soon again.
Speaker 1:I'm honored to be on your show and you're an amazing person, big heart and hardworking person. Thank you so much and thank you for everyone, thank you, thank you. Thanks for tuning into the five questions podcast.
Speaker 2:Thank you so much. Thank you for everyone. Thank you, Thank you. Thanks for tuning in to the 5 Questions Podcast. If you enjoyed today's episode, don't forget to subscribe, like and hit the notification bell on our YouTube channel so you never miss an episode. Stay tuned for more insights and tips to transform your real estate and business game. See you next time.