How To Start Your Own Private Bank: How the Wealthy Protect and Amplify Their Wealth Tax-Free with Infinite Banking

by DC Fawcett

What if you could grow and protect your wealth—without relying on banks, Wall Street, or the government?For years, the wealthy have used a hidden financial strategy to build generational wealth, amplify their savings, and avoid unnecessary taxes.

This strategy is so powerful that even major banks and corporations quietly use it to safeguard billions of dollars. The best part? You can use it too.

In How to Start Your Own Private Bank, you'll discover how to take control of your financial future using the Infinite Banking Concept—a time-tested strategy that allows you to grow wealth tax-free, access cash when you need it, and protect your money from economic downturns.

This Infinite Banking book will show you exactly how to use high cash value life insurance as a private banking system—so you can stop relying on traditional banks and start making your money work for you.

In this book, you will The biggest financial secret of the wealthy—and how you can use it to create financial freedomWhy banks and corporations pour billions into the Infinite Banking System (and what they don’t want you to know)How to grow your savings tax-free and access your money anytime—without penaltiesReal-life case studies of J.C. Penney, Walt Disney, McDonald's, and Stanford University using this strategyHow to protect your money from stock market crashes, inflation, and high taxesWhy the Infinite Banking Concept is recession-proof and provides guaranteed returnsA step-by-step guide to setting up your own Private Bank so you can start building wealth immediatelyEven if you’ve never heard of Infinite Banking, this book will show you how Escape the banking system and finance your own purchases—on your termsUse the Infinite Banking System for real estate investing to generate passive incomeSupercharge your retirement income without depending on Wall StreetShield your wealth from government taxation and inflationGrow your money without the risks of the stock market or real estate downturnsTake control of your finances and create a legacy that lasts for generationsIf you want to stop depending on traditional banks and start building real, generational wealth, scroll up and click the "Add to Cart" button now.

Kindle Edition

Published March 8, 2025

Reviews

[Ashley · Rating 5 out of 5]

For years, I've felt like I was playing a rigged game with my finances—stuck between the volatility of the stock market and the laughably low returns of a savings account. I was searching for a way to build wealth that didn't rely on luck or blind trust in Wall Street. This book delivered the answer I was looking for, and it's a true game-changer.

The "Infinite Banking Concept" sounded complex, but the author does a brilliant job of breaking it down into a clear, logical, and step-by-step guide. The book explains exactly how to use a specific type of life insurance as your own private bank, a strategy the author proves has been used by the wealthy, banks, and major corporations for decades. The case studies on how entities like Disney and McDonald's leveraged this system were eye-opening and provided incredible credibility.

What I appreciate most is that this isn't just theory; it's a practical blueprint. It shows you how to achieve tax-free growth, access your money whenever you need it without penalties, and create a financial foundation that is secure from market crashes and inflation. This book doesn't promise a get-rich-quick scheme. Instead, it offers a powerful, time-tested strategy for anyone who wants to take command of their financial future and build lasting, generational wealth. Highly recommended.

[Diana · Rating 5 out of 5]

I’ve read a lot of financial books, but this one really stood out. DC Fawcett breaks down the concept of infinite banking in a way that’s easy to understand—even if you don’t come from a finance background. I had heard about wealthy families using strategies like this to grow and protect their money, but I never realized it was something regular people could apply too.

The book explains how to legally and safely create your own “private bank” using life insurance policies to keep your money working for you, all while avoiding unnecessary taxes and fees. What I really liked is that it’s not just theory—there are practical examples, step-by-step breakdowns, and clear explanations of how to get started.

It completely shifted how I think about saving, borrowing, and building long-term wealth. If you’re tired of putting all your money in traditional banks or Wall Street and want to learn how the wealthy actually protect and multiply their assets, this book is a must-read.

[Jacobus Clement · Rating 5 out of 5]

Very good

How To Start Your Own Private Bank: How the Wealthy Protect and Amplify Their Wealth Tax-Free with Infinite Banking by DC Fawcett is an accessible, actionable guide to building wealth the way banks and the ultra-wealthy do—using the Infinite Banking Concept. This book demystifies the strategy of leveraging high cash value life insurance as a private, tax-advantaged banking system, providing step-by-step instructions for setting up and managing your own financial framework outside conventional banks and Wall Street. With real-life case studies, clear explanations of tax-free growth, and protection against market downturns, it’s ideal for those wanting to take control of their savings, amplify generational wealth, and set up a personal financial fortress with consistent, recession-proof returns.

[Nicholas Ladieu · Rating 5 out of 5]

Ok so this topic caught my eye.. "Be your own bank".. what does that mean exactly?

The author is teaching the concept often marketed as “Infinite Banking” or “Bank on Yourself”

You buy a cash value life insurance policy.

You fund it steadily (or with lump sums).
You borrow against the policy to finance investments, business growth, or expenses instead of using banks.
Meanwhile, the policy continues compounding tax-deferred.

The idea here is you become your own source of funding, getting tax advantage, growth, and control

This is my first introduction to this concept and it's got my wheels spinning with possibilities

[Steven Miller · Rating 4 out of 5]

It’s a quick read you can finish in one sitting. The part that clicked for me was the section on “cost basis.” If you’ve put in $100k and it grows to $300k, you can pull out your $100k without taxes, then use policy loans for the rest so you don’t trigger a taxable event. The key is keeping the policy intact so it keeps compounding tax-free. That was new to me and was implementable instead of just being hype.

My main takeaway, I’m not ready to move everything tomorrow, but I can see using a high cash value policy as a place to store cash and borrow against it when I need to, instead of leaning on banks

[Jordan Wells · Rating 4 out of 5]

This is an eye-opening book that really made me rethink my long-term investing strategy. I am not sure how relevant this book would be for those residing outside of the United States, and the book does seem at least in part geared towards securing appointments for the author's company, but the knowledge contained within the book is undeniably unique and written in a concise way that I found appealing.

I would hesitate to give this book five stars simply because it seems like a marketing tool on some level, but I do recommend reading it if you are looking for outside-the-box long-term wealth-building strategies that go against the grain of simply investing in mutual funds, etc.

[Erik P. · Rating 3 out of 5]

Can you borrow against your life insurance plan?

I have always been told that whole life is a bad product. “The rate of returns is trash!” However, DC Fawcet makes a good point. High cash value life insurance does not seem to be as much of an investment as a way to have insurance and ensure tax-free estate planning. You can also use it as a retirement plan and withdraw cash value annually if needed. I’m 52, and for the first time, I see this as a viable form of asset protection and asset transfer to my wife and kids

[Joe Legerstee · Rating 5 out of 5]

Tired of the usual financial advice, I found this book to be a pragmatic, long-term solution to a lot of common worries. It breaks down the "Infinite Banking Concept"—a strategy used by major corporations and wealthy families—showing how to use high cash value life insurance to build a personal financial reservoir. Ultimately, this book is a compelling guide for anyone who wants to take control of their financial future and build generational wealth without depending on Wall Street or traditional banks.

[Rodrigo · Rating 4 out of 5]

Solid resource for beginners

This book is interesting. It made me think differently about investments. I liked the simple stories and the step-by-step on policy loans. Also the case studies that show how the numbers grow over time are exciting and motivating. That said, some parts feel salesy and it glosses over costs, risks and loan rate changes. You’ll still want a professional to run real quotes. But it’s a solid starting guide for sure.

[Suvetha Ganesh · Rating 5 out of 5]

I went in skeptical and came out clearer. The book explains how high-cash-value whole life can act like a savings engine you can borrow against, with simple math, timelines, and those Disney/J.C. Penney examples. What I appreciated most: it also covers trade-offs, early-year costs, funding discipline, loan mechanics, and picking a solid insurer. If you’re curious about infinite banking, this is a balanced primer that helps you decide if it fits your situation.

[Werner · Rating 5 out of 5]

This book is a clear and practical introduction to a concept most of us never hear about.
What I appreciated most is how the author explains Infinite Banking in plain language, showing not only the mechanics but also the mindset shift required to stop relying on traditional banks.
For anyone looking to protect their assets, build generational wealth, or simply rethink the way money flows in their life, this book is an eye-opener.

[Kelly Dugger · Rating 5 out of 5]

This book introduces the concept of cash value life insurance as a tool for wealth growth and protection. It mixes history, strategy, and real-life case studies, making the material easy to follow. While it’s on the shorter side, the explanations are clear and practical, giving readers a solid foundation without feeling overwhelming. A good fit if you’re curious about infinite banking but want a simple, to-the-point overview rather than a dense financial manual.

[Gregory New · Rating 5 out of 5]

How to Start Your Own Private Bank explains the Infinite Banking Concept. This is a good way for rich people, banks, and businesses to grow their money. It gives clear explanations and examples that people can relate to, showing how to make more money without paying taxes, protect your assets, and build wealth that will endure for generations. If you want to take charge of your money and learn some useful things, this book is a fantastic place to start.

[Dailyn · Rating 5 out of 5]

This book explained a concept I had never heard about before and made it very easy to understand. The idea of creating your own “private bank” is fascinating, and the author does a good job of showing how wealthy people use these strategies to grow and protect their money. It gave me a new way of looking at life insurance and financial planning. Very informative and worth reading if you want to learn something different about managing your finances.

[Arcelie Rodriguez · Rating 5 out of 5]

The way Infinite Banking is broken down here makes it finally understandable. Instead of relying on banks, you can create your own system that grows money tax-free while still letting you access it. The examples of Disney and McDonald’s using this strategy made it more real. I like how it shows step-by-step how to start, and also why this method is recession-proof. It’s not just theory, but something you can actually put into action with confidence.

[Kevin Ryan · Rating 5 out of 5]

A Fresh Look at Building Wealth Differently

This book lays out how regular people can use the same money tactics the rich rely on. It explains Infinite Banking in plain words, showing how to grow savings, access cash, and dodge heavy taxes. A practical read for anyone curious about taking charge of their financial future.

[Raluca Trifan · Rating 5 out of 5]

This book reveals powerful financial strategies the wealthy have quietly used for decades.
I loved how clearly it explains the Infinite Banking Concept with real-life examples.
The step-by-step approach makes complex ideas simple and actionable for anyone.
A must-read for anyone serious about protecting wealth and creating lasting freedom.