Save and Borrow Money the Smart Way A Better Way to Save, Borrow, and Recycle Your Family's Money will show you and your family a better way to simultaneously save money and borrow money. If you are looking for the smartest way to save money, borrow money, or if you are contemplating how to get a loan, or even how to save for retirement, then read this book first. Most people believe the bank is the only place to save money or borrow money, and IRA's and 401K's are the only place to save for retirement. However, a bank savings account doesn't allow you to keep earning money when you take money out of the account to pay for an expense. Likewise, neither 401K's nor IRA's allow you to borrow money from them without severe limitations, potentially significant penalties and taxes, and you'll miss out on any potential market gains. There is a smarter way to save and borrow with more flexibility so that your money works much harder for you and allows your family to keep more in their pocket. If you are open to listening to an idea that has been around for close to 200 years and stood the test of time, then consider looking at a participating whole life insurance policy. A participating whole life insurance policy, specifically built with a high cash value as part of the infinite banking concept, allows you to save money and borrow money with much greater efficiency and superior financial performance than any other system you are currently using. This is due to the fact that a properly designed participating whole life policy allows you to get safe, tax-deferred growth and allows you to simultaneously borrow money from the cash value without impacting the growth of that money. Unlike a bank savings account or a bank loan, you can literally get your money working in two different directions at once so you can live better today while saving for tomorrow. If you currently have or are contemplating owning a bank savings account, credit cards, student loans, personal loans, business loans, or car loans, then you need to read this book. Even if you think you are financially savvy and pay cash for all of your major expenses, the system illustrated will keep more in your pocket. Just by reading this book, you will understand why and how you could easily be saving $100,000 to $200,000 over your lifetime if you are currently using credit cards, financing, or paying cash for major expenses.