Field Notes for Faithful Stewards

Charitable Giving That Circulates: How IBC Can Grow Blessings for Others

Charitable giving doesn’t have to be a one-way street. With Infinite Banking, generosity circulates: families preserve legacy, nonprofits gain lasting capital, and communities reap ongoing blessings. Learn how IBC turns one-time gifts into multiplying provision.

Buy Term and …? A Steward's View on the Common Alternatives

Buy Term and Invest the Difference” sounds efficient on paper. But real life rarely matches the spreadsheet. Most families don’t consistently invest the difference, markets don’t cooperate neatly, and term insurance always expires. True stewardship requires permanence, liquidity, and legacy — which is why Infinite Banking and whole life often provide a more faithful path.

Navigating Inflation with Infinite Banking: A Shield for Today's Unsteady Times

Inflation doesn’t just raise prices — it triggers higher interest rates, liquidity crises, and fire sales. For most, that cycle is destructive. For stewards practicing Infinite Banking, it’s opportunity. With liquid capital in a private storehouse, you can shield your family from inflation and seize assets at fire-sale prices — repaying loans with inflated dollars while dividends keep compounding.

Faith, Money, and the Divisible Surplus: Seeing Capital Overflow as a Legacy

Divisible surplus in whole life insurance isn’t just an accounting term — it’s proof of stewardship and a source of multiplying capital. When directed wisely, surplus becomes more than money; it becomes overflow that funds opportunities, teaches stewardship, and blesses generations.

When Stewardship Meets Design: Crafting Whole Life Policies That Last

Whole life insurance isn’t about formulas or one-size-fits-all ratios. The right policy design balances base premium, PUA rider, and term coverage to fit your unique goals — providing both liquidity today and a lasting legacy tomorrow.

Who Really Grants Your Rights? The Link Between Natural Law, Liberty, and Family Legacy

Do your rights come from government or God? Learn why natural rights, financial freedom, and capital stewardship are the foundation of lasting family legacy.

The Silent Wealth Killer: The Volume of Interest

Most families think their problem is high interest rates. The real problem is the

Why 401(k)s Fail Families — And What to Do Instead

401(k)s were sold as the cornerstone of the American retirement dream. But most families discover too late that these plans drain wealth through penalties, taxes, and lost opportunity costs. Here’s why the system fails — and how Infinite Banking provides the alternative.

The Hidden Cost of Financial Experts: How Wall Street and Third-Party Financiers Quietly Drain American Families

Wall Street advisors and third-party financiers thrive on keeping families dependent. Through fees, commissions, and interest payments, they siphon off generational wealth while telling you to “trust the experts.” Here’s the truth about the hidden cost of financial advice — and how Infinite Banking empowers you to take back control.

When Bread Becomes Ashes: Inflation, Food Quality, and the Erosion of Real Provision

Inflation doesn’t just raise prices—it erodes quality. Our food is less nourishing, our money buys less, and families unknowingly surrender 34.5¢ of every dollar to interest. This post uncovers how monetary debasement cheapens both bread and balance sheets—and how faithful stewardship through income floors and Infinite Banking offers a way forward.

When Subsidies Masquerade as Capitalism: The Intel Illusion and the Forgotten Legacy of Prosperity

Government ownership of Intel is being sold as “investing in America,” but history tells us otherwise. From Andrew Jackson’s debt-free moment to Javier Milei’s reforms in Argentina, prosperity has always come from free capital, not State subsidies. True stewardship demands we resist corporatism and reclaim control of our capital for future generations.

Compared to What? Rethinking Saving and Capital Control

Most Americans save just 3–6% of their income because that’s what their employer matches. But when you account for taxes and the 34.5% of every dollar that banks capture in interest, the picture changes. Here’s why the smartest move isn’t trying to save harder, but cutting out the biggest leaks in your financial system.

Building Your Private Family Bank: Infinite Banking for High-Net-Worth Families

High-net-worth families use Infinite Banking to create private family banks — reducing estate taxes, protecting assets, and passing on wealth for generations.

Why Liquid Capital Beats Bubbles: Austrian Theory, Infinite Banking, and Crisis Investing

Learn why liquid capital outperforms bubbles. Discover how Austrian economics and Infinite Banking help families seize opportunities in crises, from buying cashflowing businesses to capturing market share.

The True Cost of College: How Families Can Break Free from the Student Debt Racket

College tuition keeps rising, but the real cost isn’t just financial — it’s generational. Here’s how stewards can sidestep the debt trap and sow seeds of freedom for their children through wise strategy and Infinite Banking.

How the New Social Security Tax Changes Affect Baby Boomers Near Retirement

New 2025 rules on Social Security taxation bring relief for many retirees — but not all. Here’s what baby boomers approaching retirement need to know about the new deductions, how they may affect your income, and why capital control still matters more than temporary tax breaks.

Ditch the Data Chase: Why This Family Chose Stewardship Over Statistics

Tired of chasing economic headlines that don’t reflect your real life? Discover how one family escaped Wall Street’s volatility and reclaimed control of their wealth through capital stewardship and Infinite Banking.

When the Coconuts Aren’t There: What Crusoe Can Teach Us About Interest Rates, Inflation, and Stewardship

What Robinson Crusoe, Austrian economics, and today’s interest rates reveal about false signals, wasted capital, and how stewards can protect wealth through capitalization.

Paying Taxes on the Seed or the Harvest? A Wake-Up Call for Today’s Stewards

As federal debt crosses $37 trillion and future tax hikes feel inevitable, one question must guide every steward's financial strategy: would you rather pay taxes on the seed or the harvest?

Why Most Financial Plans Fail — And What We Do Instead

Most financial advisors rely on rigid models and predictive planning — but life isn’t a spreadsheet. At 1322 Legacy Strategies, we reject the myth of certainty and offer families a dynamic, faith-rooted approach to capital control, strategy, and legacy stewardship.

Ron Paul: The Statesman Who Stood Alone — And Stood Right

How a humble country doctor became my political awakening, predicted wars and crises before they came, and set the standard for principled leadership in a fallen republic.

The Barn, the Stranger, and Your Nest Egg

Plant an Orchard — Not a Single Tree

Discover why dividend-paying whole life outshines 529 plans when you want to pay for college, seed businesses, or grow a family scholarship fund—all while preserving control and legacy.

When the Fed Freezes, Your Capital Can’t

The Fed may be on pause, but rising prices and interest costs are squeezing businesses. Here’s why funding your own bank inside whole-life insurance can turn that pressure into once-in-a-decade buying opportunities.

“Floorplan Fever” → Private Banking Power

Dealers’ floor-plan costs are up 800 %. Turn that leak into profit with Infinite Banking—own capital, recapture interest, shield your legacy.

Kim & Nate’s Passport Dilemma — Why the 3.5 % Rule Could Stamp Out Their Dream Itinerary

Kim and Nate want to tick thirty countries off their list, but a 3.5 % withdrawal plan could jeopardize their travel dreams, their homes, and their legacy. Discover the hidden risks—and the stewardship strategy built to keep their passports busy.

FTC vs. Fortnite: Why Parents, Not Bureaucrats, Should Hold the Controller 🎮

When regulators pretend to parent, real parents get sidelined—and kids learn the wrong lesson about responsibility. Discover why family stewardship beats federal oversight every time.

Why Real Growth Doesn’t Come from the Stock Market — and What Faithful Stewards Should Focus On Instead

The stock market isn’t your source of legacy. Discover what faithful stewards focus on instead — and how to pursue real, stable growth with purpose.

Student Loans Are Hunting Your Kids—Here’s How to Flip the Script

Student debt is chasing the next generation. Here's how families of faith can shift from pressure to preparation — and steward freedom, not fear.

Tariffs Are Rising. Will Your Capital Be Ready When Prices Fall?

Amid new US tariffs, assets could go on fire-sale. Learn how fully capitalized whole-life policies give retirees cash-on-call to seize opportunity and guard their legacy.

Broken Legs & Crutches: Why 401(k)s Keep You Limping

Nelson Nash called 401(k)s “crutches from the leg-breakers.” Discover how tax deferral steals control—and how Infinite Banking lets stewards walk free.

How You Finance a Car Might Matter More Than the Car Itself

It's not just what you buy — it's how you buy it. Discover why financing decisions reveal the heart of stewardship.

Don’t Let Washington Define Your Legacy: Shield Your Retirement From the Coming Tax Tsunami

Taxes are rising. Washington doesn’t get to define your legacy — you do. Learn how to protect your retirement with purpose.

Bond Yields Are Screaming—What It Means for Boomer Retirement

Rising bond yields signal deeper trouble in Washington. Here’s what Austrian economics says—and how Boomers can protect retirement income now.

When the Harvest Runs on Borrowed Time

If your strategy depends on tomorrow’s windfall, you're farming in the dark. Learn how to prepare before the harvest window closes.

Raising Stewards: Teaching Your Children the Principles of Infinite Banking

Stewardship starts young. Discover how to pass on financial wisdom — and teach your children the values behind Infinite Banking.

The Real Cost of Care: What Soaring Drug Prices Teach Us about Stewardship

Rising healthcare costs are more than an economic issue — they’re a stewardship wake-up call. Learn what to watch for and how to lead wisely.

The Difference Between Stewardship and Management

Management organizes. Stewardship leads. Explore the deeper difference — and why it matters for legacy-focused families.

Bitcoin: Buzzword or Blessing? A Steward’s Guide for Retirees

Should faithful stewards hold Bitcoin? Get a grounded, faith-aligned take on crypto from a legacy perspective.

5 Reasons Most Estate Plans Fail (and How to Avoid Them)

Most estate plans are incomplete — or forgotten. Here’s what causes failure, and how stewardship can protect your family’s future.

How to Finance a Business Purchase Without Losing Control — Even Something as Simple as a Laptop

You don’t have to give up control to grow. Discover how to finance business expenses — without compromise.

“Am I Too Late?” The Truth About Legacy After 55

It’s never too late to lead. If you’re 55 or older, here’s how to start building a legacy with confidence and clarity.

Infinite Banking: Becoming Your Own Source of Financing

Learn the timeless process of Infinite Banking — and how faithful families use it to gain control, privacy, and purpose with every dollar.

How to Talk to Your Adult Children About Inheritance Without Creating Pressure

Conversations about inheritance don’t have to be awkward. Discover how to approach them with grace, wisdom, and purpose.

Teaching Your Children the Value of Legacy

Legacy doesn’t start with assets — it starts with understanding. Here’s how to teach your children what stewardship really means.

Solving the Legacy Planning Gap: What Nelson Nash Taught Us About Time, Trust, and Capital

Legacy gaps often stem from unclear leadership. Learn how Nelson Nash’s teachings bridge that gap with trust and capital control

Three Retirement Questions That Matter More Than ‘Do I Have Enough?

Retiring isn’t just about savings — it’s about calling, stability, and legacy. Ask the deeper questions faithful stewards should focus on.

Why Stability Outweighs Growth in Retirement Planning

Growth is good — but stability is vital. Learn why wise retirees prioritize income consistency and capital control.

The True Goal of Retirement: Income Stability, Family Leadership, and Freedom

Retirement isn’t the end — it’s a handoff. Learn how faithful stewards can retire into impact, not retreat.