The Infinite Banking Concept: What Nelson Nash Actually Got Right and What Most People Get Wrong

The Infinite Banking Concept: What Nelson Nash Actually Got Right and What Most People Get Wrong

The Infinite Banking Concept: What Nelson Nash Actually Got Right and What Most People Get WrongMichael Trefel
Published on: 18/09/2026

Nelson Nash had an insight that most people miss entirely. The infinite banking concept is not a gimmick. It is a serious framework for controlling your own cash flow. This post explains what it actually is, what it is not, and who it works for.

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Sequence of Returns Risk: The Retirement Threat That Average Returns Cannot Warn You About

Sequence of Returns Risk: The Retirement Threat That Average Returns Cannot Warn You About

Sequence of Returns Risk: The Retirement Threat That Average Returns Cannot Warn You AboutMichael Trefel
Published on: 09/07/2026

Two families. Same portfolio. Same average return over 20 years. One runs out of money at 79. The other never does. The difference is sequence of returns risk, the retirement threat nobody explains clearly until it is too late.

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