Use It or Lose It
IBC must become a way of life, not a one-time decision. Without consistent practice, the system atrophies.
From Becoming Your Own Banker, Chapter 11
If you don't use the Infinite Banking Concept consistently, it loses its power. This isn't a concept you implement once and forget — it's a financial discipline practiced continuously, like brushing your teeth. Each individual brushing isn't dramatic. The habit maintained consistently over a lifetime keeps the system functioning.
Every financing need — cars, business expenses, real estate, emergencies — is an opportunity to cycle capital through your system. Each loan and repayment cycle strengthens the banking function. Every time you finance outside your system, you're sending interest to someone else's bank.
Nash saw many people implement IBC incompletely: they'd create the policy but not make it a way of life. They'd implement too fast, lack conviction when challenged, or fuss over illustration numbers instead of building the discipline. The result was a policy owner, not a banker. Understanding the concept is not the same as practicing it.