Ep. 5: How Developers Leverage Infinite Banking to Fund, Flex, and Build Legacy
What if you could fund your next deal without begging a bank?
In this episode, Katie Kim sits down with financial strategist and developer Erica Neal to unpack Infinite Banking—a funding strategy used by the Rockefellers and now available to savvy developers ready to scale smart. If you’re building your portfolio, protecting your capital, or planning a legacy, this is the episode that will flip how you think about leverage.
Erica doesn’t just teach theory—she lives it. Learn how she uses Infinite Banking to fund multi-year deals, create tax-advantaged growth, and maintain control even in uncertain markets.
🔗 Connect with Erica Neal
🌐 Website
youtube.com/@theericaneal (Other)
infinityinvestmentstrategies.com/ (Company)
✉️ Email
🔗 Connect with Katie Kim
🌐 Website
www.katiekim.com – The Katie Kim Educational Platform
www.thekimgroup.com – The Kim Group
📱 Instagram
@thekatiekim
@thekimgroup
💼 LinkedIn
Katie Arnholt Kim, CCIM
The Katie Kim Educational Platform
The Kim Group
📘 Facebook
The Katie Kim Educational Platform
The Kim Group
▶️ YouTube - https://www.youtube.com/@TheKatieKim
🔍 TIMESTAMP BREAKDOWN
00:00 – Be the Bank: How Developers Create Arbitrage
00:55 – Meet Erica Neil: Developer & Infinite Banking Expert
03:02 – Erica’s Journey: From Wall Street to Real Wealth
04:48 – Real Estate + Infinite Banking: The Ultimate Power Combo
06:33 – Capital Stack Talk: Cash Flow, Equity, and “Toy Money”
08:09 – “I’ve Been Hunting for You”: Katie Meets Erica
09:20 – What is Infinite Banking? (Finally Explained) 11:06 – Give $1 Multiple Jobs: The Compound Effect of IBC
12:03 – The Kid-Friendly Whiteboard Lesson on Banking
13:59 – Why Most Advisors Don’t Recommend This Strategy
15:16 – Why You’ve Never Heard of This (But the Rockefellers Have)
17:12 – The History Shift: Stock Market vs. Infinite Banking
18:54 – Is Infinite Banking Too Complicated? Nope. Just Different.
20:45 – Teaching Wealth at Home: Family Health & Wealth Meetings
21:16 – Real Deal Example: IBC + Multifamily Syndication
23:55 – Cash Flow or Not, You’re Still in Control
25:23 – A 3-Year COVID Delay... and No Banker Breathing Down Your Neck
28:16 – It’s Like an Insurance Policy on Your Debt Service
29:42 – IBC Tax Benefits: Depreciation + Interest Write-Offs
31:03 – What the Rockefellers Really Do Differently
33:06 – Don’t Just Leave Wealth. Prepare Your Family for It.
34:39 – Personal Legacy Planning Starts NOW
36:47 – Aiden’s Tiny Home + Infinite Banking Math Project
38:32 – Erica’s New Mini Course: Infinite Banking 101
41:24 – Developer Five: Real Lessons from Real Deals
43:22 – It’s About the People. Always.
46:08 – Making the Leap: From Safety Net to Startup
48:02 – Mapping the Worst-Case Scenario (and Doing It Anyway)
50:14 – Scars Over Slides: Vetting the Real Deal Sponsor
53:11 – Tools of the Trade: Visual Workflows That Keep You Clear
55:39 – Legacy Building: Wealth, Values, and the Ripple Effect
58:52 – The Usher That Changed History: Erica’s Favorite Story
1:02:15 – How to Connect with Erica + Get the Course
💻 Missed the last webinar?
Katie’s FREE LIVE MASTERCLASS returns this September!
📅 Thursday, September 18th at 12:00 pm CST and 7:00 pm CST
👉 Register here: https://www.katiekim.com/masterclass
🚀 Ready to take action now?
Join Katie’s Real Estate Developer Bootcamp and learn how to fund, scale, and build legacy like the pros.
👉 https://www.katiekim.com/bootcamp
🤔 Not sure what your next step is?
Book a call with our team to discuss the best option for you.
👉 https://www.katiekim.com/booking-page
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