Creating wealth through borrowing

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When we incur large purchases (house, boat, college education), most people use traditional methods of either saving up for the purchase or borrowing from a bank or other source that incurs financing costs. The problem with these methods is that both leave you with nothing gained (beyond the asset or service purchased) at the end of the transaction. Savers have lost the opportunity to put their money to work and borrowers have paid the hard cost of financing.


  • Saves money, then pays cash for a major purchase.
  • The saver misses out on earning interest on savings once the purchase is made.



  • Finances the purchase and repays the loan according to the terms of the agreement.
  • The borrower's goal is always to get back to zero.

RFG Capital Management has the knowledge and expertise to tailor our retirement vehicles to allow for borrowing against the cash value of the vehicle without reducing the principal amount and the growth associated with it. This effectively creates wealth from the interest gained on the “unrecognized” loss in cash value.


Borrows money for major purchases from their retirement investment vehicle, but continues to earn on the total value. When the loans are repaid (with interest), the accumulation in the vehicle is the same as if the money was never borrowed.

Contact us today for more information