The Tier 1 Capital Blog

Turn Your Liabilities Into Assets
Turn Your Liabilities Into Assets

So you’ve been looking into the infinite thinking concept and you’re wondering when is the best time to get started? Well, age is an important factor. And today we’re going to do a deep dive on what the best age to start a policy is.

Debt Management Tips: Pay Off Your Student Loans
Debt Management Tips: Pay Off Your Student Loans

Are you buried in credit card debt or student loans? And you’re looking for the best way to pay them off as soon as possible? If that sounds like you stick around to the end of this blog because today we’re going to go over a few methods of how to get out of debt and put you in a financially secure position along the way.

Money Management Tips: Save Money on Mortgage Payments
Money Management Tips: Save Money on Mortgage Payments

Some so-called financial experts recommend making extra mortgage payments on your balance. If you’re considering this, you need to stick around to the end of this blog because today we’re going to go over three reasons why this may not be the best decision for you and your financial security.

College Funding Tips: How To Make Your Money Work For You
College Funding Tips: How To Make Your Money Work For You

Wouldn’t it be great if you could get $1 to do the job of multiple dollars? Are you wondering how this could be possible? Well, stick around to the end of this blog, because today we’re going to talk about multiple duty dollars and how to get your money to work harder for you and your family.

For most of us, our income is limited every month. We only have so much money coming in, so it’s important, and this is why we always preach: It’s not how much money you make, it’s how much money you keep that really matters. It’s also very important to make that money as efficient as possible – to make it work as hard as possible for you and not for the other guys. 

How To Fund Your Retirement
How To Fund Your Retirement

Are you wondering what the best type of account is to use to fund your retirement? There are so many accounts and so many rules, it could all get a bit confusing. But if you’re wondering how to use a cash value life insurance policy to help supplement your retirement income and why it’s a good move, make sure you stick around to the end of this blog.

Money Management Tips: Regain Control Of Your Money
Money Management Tips: Regain Control Of Your Money

Are you finally ready to get on track with your finances but aren’t quite sure where to start? Today we’re going to take a deep dive on how to budget and how to finally get on track to pay off your credit cards, your student loans, and how to finally start saving to accomplish your financial goals. 

Money Management Tips: How to Reach Financial Freedom
Money Management Tips: How to Reach Financial Freedom

Have you ever felt like you’re doing everything right? You’re paying off your debt as quickly as possible, you have a short mortgage term, you’re maxing out your retirement plans, you’re paying cash whenever possible, and you’re investing in the stock market as much as you can afford to, but you’re still not seeming to get ahead. You still can’t reach that feeling of financial freedom like you’ve finally made it? If that sounds like you, continue reading because we’re going to diagnose exactly why that may be the case and recommend some simple shifts you can make to reach financial freedom.

Mastering Your Money  With The Infinite Banking Concept
Mastering Your Money With The Infinite Banking Concept

In this blog, we’ll talk about how you’re using your money, how banks use it to make more (for
themselves), and how you can replicate their model of money flow to make sure you’re generating
wealth for as long as you live. We’ll talk about the infinite banking concept, how it works, and how
you can apply it in your own, everyday transactions and money strategies.

Money Management Tips: Regain Control Of Your Cash Flow
Money Management Tips: Regain Control Of Your Cash Flow

We have been constantly talking about the importance of you being in control of your money or regaining control of your money. So why is it so difficult to accomplish despite it being a very simple concept? In this blog post, we are going to talk about the unintended consequences that result from following traditional or conventional wisdom when it comes to your finances and how to regain control of your money by just knowing these things. 

College Planning: How To Save Thousands On Tuition
College Planning: How To Save Thousands On Tuition

We have a team that specializes in the college application process. They will help you with everything from filling out the free application for federal student aid – FAFSA, to helping your child write essays for their college application. They will also help you negotiate for a better deal after you have received your initial offer on financial aid. All of these things are to help your student get into their dream school, a school that is a good fit for them. Not just that, it also helps parents not to overpay for their children’s college education.

What to pay first?  Insurance Policy Loan Interest, Premiums or Paid Up Additions Rider
What to pay first? Insurance Policy Loan Interest, Premiums or Paid Up Additions Rider

When you get a premium bill and your cash flow is limited, you should always pay the base premium first.The more you pay into the policy at that time, the higher rate of return you’re going to get within your policy.The next is the paid up additions rider.By paying the paid up additions rider in the first five years, it will give you access to more cash sooner so that you can start using your policy to pay for the things of life.The third priority is the policy loan interest.If you don’t pay the loan interest, the loan interest will be added to the loan balance and it may constrict the amount of cash value that is available in the future to access via the policy loan provision.The fourth area should be the actual loan balance. As your loan balance gets paid down, your cash equity increases.

Is Whole Life Insurance Too Good To Be True? The Truth About The Infinite Banking Concept
Is Whole Life Insurance Too Good To Be True? The Truth About The Infinite Banking Concept

Regaining control of your money means putting you in a position where you could access your money when you need it. When we talk about plugging those leaky holes in your financial bucket, it’s literally identifying the five major areas where you are giving up control of your money. Those areas are taxes, how you fund your retirement, how you pay for your children’s college, how you pay for your real estate mortgages and how you make major capital purchases. We do a deep dive as to how you’re using your money in these five areas to show you exactly where you’re giving up control of your money.

Managing Cash Flow To Fund Your Kids College Education
Managing Cash Flow To Fund Your Kids College Education

The cost of college is not the same for everyone. Not everyone who goes to the same school in the same year will pay the same amount for college. The cost of college is individual to each family, and it’s based on a few factors used in the financial aide calculation. That calculation includes parent’s income, parent’s assets, student’s income and student’s assets.

How to Protect Your Retirement Savings
How to Protect Your Retirement Savings

When it comes to financial planning, we all have one end goal in mind. That’s retirement. For the past thirty seven years as a financial services professional, when people come to us with their yet to be taxed IRA or 401K statements, they are generally shocked when they find out how much they have to pay in taxes.Many don’t realize that after you earn your income and you pay your tax, whether or not you pay tax again on that money, the rest of your life is optional. It’s voluntary. The key is knowing what your choices are up front.

Is Whole Life Insurance a Good Investment?: Internal Vs. External Rate of Return
Is Whole Life Insurance a Good Investment?: Internal Vs. External Rate of Return

Only in a whole life insurance policy, you can have access to the cash values without draining the tank. Basically you’re able to continuously earn compound interest and access that money to make an investment that will potentially earn you a higher rate of return.

The “Guaranteed 4% Interest Rate” on a  Whole Life Insurance Policy
The “Guaranteed 4% Interest Rate” on a Whole Life Insurance Policy

One of the most misunderstood concepts of life insurance policies is the so-called 4% guaranteed rate of interest.
As a result of it a lot of times people get a life insurance policy but don’t see what they are told – the guaranteed 4% rate of return.
The 4% isn’t a guaranteed interest rate of return, but rather a discount rate.

Protect Your Dollars Against Inflation With Life Insurance
Protect Your Dollars Against Inflation With Life Insurance

Currently we’re at 20.7 trillion of money in circulation. In 2025, it’s projected to be 33.5 trillion, and in 2029, it’s projected to be $53.9 trillion. Doesn’t that create inflation? What does that mean to us? Well, isn’t inflation really having an effect on the purchasing power of our money? Isn’t that literally a way that the government found to pay their bills by taking money from us, stealing our purchasing power?

How Business Owners Can Increase Cash Flow
How Business Owners Can Increase Cash Flow

When you first start your business, it’s very important, actually, it’s vital that you reinvest the profits into the business to help the business grow. However, as your business continues to grow more and more, your net worth becomes enmeshed in the business. Consequently, your net worth becomes illiquid and inaccessible. And that has a direct impact on your cash flow.

NEVER be at the Mercy of Banks Again | Shuttered Line of Credit – What Happens?
NEVER be at the Mercy of Banks Again | Shuttered Line of Credit – What Happens?

Banks are really good at getting us to do what’s in their best interest and they do it under the premise that it’s in our best interest. And they’re so good at doing it, most of the time, we don’t even know what’s happening.

How to Increase Your Net Worth
How to Increase Your Net Worth

Make no mistake about it – whether you finance through conventional methods, through a bank or a finance company, or with using our process and borrowing against your cash value – every payment you make will increase somebody’s net worth. Using our process, you will increase your net worth.

Benefits of Life Insurance for Kids
Benefits of Life Insurance for Kids
  Once they reach adulthood, they'll have access to their policy’s cash value. They could buy their first car. They could help fund college. They could put a down payment on a house.   Are you thinking about buying a life insurance policy on a…
Qualified Plans: The Hidden Truth
Qualified Plans: The Hidden Truth

For many people, the term 401k is synonymous with retirement preparation, and sometimes represents the full extent of
their preparedness. Such accounts are often included as part of a benefits package provided by employers, and chances
are if you have one, most of your retirement savings are being deposited into this account.

5 Types Of Life Insurance Policies
5 Types Of Life Insurance Policies

Are you thinking about buying a life insurance policy, but aren’t sure what to do because there are so many options? Well, stick around to the end of this video, because we’re going to go over the five different types of life insurance policies.

Who is teaching you the rules of the financial game?
Who is teaching you the rules of the financial game?

We would like to outline what it means for us to be a financial
advisor for our clients, and it’s not dissimilar to the relationship a golfer has with their caddie.

Secrets of a Wealth Creator: How to Buy, Borrow, and Pay Smarter
Secrets of a Wealth Creator: How to Buy, Borrow, and Pay Smarter

We all want to make the most of the resources available to us; to be as efficient as we can be while also avoiding wealth transfers. Once a decision has been made to part with our dollars, it is permanent. Since we can never have those dollars back again, it makes sense to spend them wisely.

Why My Clients Choose to Work With Me
Why My Clients Choose to Work With Me

Lifestyle money represents the dollars you are spending to maintain your current standard of living: where you live, what you eat, where you vacation etc. For many people, this is where the conversation ends. While everyone wants to solve their financial problems, reducing their current standard of living is not a popular option.

Mortgages: Spoiled for Choice
Mortgages: Spoiled for Choice
It is likely that during your lifetime you will allocate more dollars to the place you are going to sleep than anything else. As such, the potential to transfer your wealth away unknowingly and unnecessarily as a result of decisions made surrounding your mortgage is…
How GameStop changed the way we think about the stock market.
How GameStop changed the way we think about the stock market.

Where is it written that, in order to make money in the markets, you have to lose 30%, 50%, or even 70% of your money? Do you ever feel like you’re playing a rigged game? A game that’s set up for them to win and for you to lose? Find out how you can develop a strategy that would prevent you from ever losing money ever again!

Becoming the beneficiary of your own life insurance policy: How to use the living benefits
Becoming the beneficiary of your own life insurance policy: How to use the living benefits

We all know the death benefit when it comes to life insurance policies, but how would you like to become the beneficiary of your own policy? Well, stick around to the end of this video, because we’re going to show you how to take advantage of the living benefits of life insurance.

How do policy loans work?
How do policy loans work?

Are you thinking about taking a policy loan but aren’t quite sure how it works? We’re going to show you the pros and cons and exactly how policy loans work!

What am I doing wrong financially?
What am I doing wrong financially?

Do you make a great income, but still can’t seem to get ahead financially? Are you doing all the right things, paying cash for purchases, keeping your debt at a minimum and saving as much as you can for your future, but still feel like you’re living paycheck to paycheck? Well, stick around to the end of this video, because we’re going to pull back the curtain on conventional wisdom and show you exactly why you can’t seem to get ahead.

How to shift your money to become financially free!
How to shift your money to become financially free!

Have you ever had the thought “if only I could earn some more income, then I could finally reach my financial goals.” We’re going to show you why it’s not your income that’s holding you back and how some simple shifts in how you’re using your money can help you reach financial freedom.

How does money work in my life?
How does money work in my life?

We all make, earn and use money but have you ever really thought about how money works in your life? We’ll show you how to put money to work for you rather than having you working for money!

How to get ahead with your money.
How to get ahead with your money.

Have you ever felt like you’re doing all the right things financially, but you still can’t seem to get ahead because every time you need access to money, you need to borrow? We’re going to show you exactly how our approach is different from traditional financial planning.

How does inflation effect me?
How does inflation effect me?

We’ve all heard of inflation, but have you considered the impact inflation is having on your ability to get ahead financially? We’re going to show you exactly how much inflation can hinder your ability to reach financial freedom. 

Opportunity Cost vs. Rate of Return
Opportunity Cost vs. Rate of Return

For every dollar that goes through our hands, we could only make two choices with it. We can either save it or spend it. Opportunity cost is the potential future value of your spent money. While others may tell you to chase rate of return, we’ll show you why opportunity cost is how you should be thinking!

Making Compound Interest Work For You
Making Compound Interest Work For You

Do you think earning compound interest on your money is a good thing or a bad thing? If earning compound interest is a good thing, when would you want to start, as soon as possible? And if you want to start as soon as possible, when would you want to stop? Never. Watch to the end to find out how you can make compound interest work for you!

How do I pay off my debt?
How do I pay off my debt?

Are you thinking about paying off debt? Did you know that the average American household now carries over $137,000 in debt? Also in a recent survey, it was found that the average American households spends 34.5% of their after-tax income, just to pay their debt. If you’re working that hard just to pay off your debt, how in the world are you going to be able to save? Watch to the end of this video to find out how you can make your money work for you

Interview With Brian Peters
Interview With Brian Peters

Brian Peters interviews Tim Yurek about why he is so passionate about his clients and why his approach to money is different than the other guys. Tim dives in to what mistakes his clients are making and how they can turn their life around!

How do I protect my money from inflation?
How do I protect my money from inflation?

You have heard of inflation, but have you ever wondered how you can protect you and your family from its eroding effect? We are going to teach you exactly how the infinite banking concept can protect you from inflation. Inflation is the rise in price of goods and services and it reduces the purchasing power of our dollars. The problem is, the longer we hang onto our money, the less it can buy for us. This video will cover the 6 ways you can use Whole Life Insurance to protect yourself from the effects of inflation. These personal finance tips can help you regain control of your money.

How do I get the ultimate return on my investment?
How do I get the ultimate return on my investment?

Real estate investors realize the importance of leverage. Leveraging your money can maximize your rate of return. But, what if there was a way to amp up you leverage to get an even higher rate of return from your real estate investment? Are you wondering how do I get the ultimate return on my real estate investment? How do I know which process is right for me? Can I use my life insurance policy to invest in real estate? Is there a way to use leverage in an effective manor? Watch to the end to learn how you can make the ultimate return on your real estate investments!

How much should you contribute to your retirement plan?
How much should you contribute to your retirement plan?
Which is better- A 15yr or 30yr mortgage?
Which is better- A 15yr or 30yr mortgage?
Funding Your Child’s Education
Funding Your Child’s Education
Want to start saving for your child’s future but don’t know where to start? Conventional wisdom tells us to save for college in one account and save for retirement in another. With so many options out there, it can be confusing which one might be…
How to save money without reducing your lifestyle!
How to save money without reducing your lifestyle!
      Want to know how to save money without reducing your lifestyle? In today’s video, we offer tips on how you can tell if you’ve lost control over your money. An example is, needing permission or approval in order to access your money.…
Are you too old to start using the infinite banking concept?
Are you too old to start using the infinite banking concept?
    “The best time to plant a tree was 20 years ago. The second-best time is now."     – Chinese Proverb Do you find yourself wondering if you’re too old to start using the infinite banking concept? Well, unless you’re done buying things, you’re not…
How to repay your debt using the IBC policy
How to repay your debt using the IBC policy
How to repay your debt using the IBC policy! Many of us put off saving because we want to repay our debts first. We end up in a debt cycle, Income -> Repay debt ->Borrow money ->Income. When you delay compounding to pay debt, your…
How do banks operate?- Implementing the infinite banking concept
How do banks operate?- Implementing the infinite banking concept
Have you ever found yourself wondering how banks make money? Do you want to learn how to regain control of your money? In this video we break down the process behind running a bank, and then we break down how you can keep your money…
How to choose an insurance company for the Infinite Banking Concept.
How to choose an insurance company for the Infinite Banking Concept.
In this video we break down the important things to consider when choosing an insurance company for the infinite banking concept. 1.) Choose the right agent 2.) The process is much more important than the product 3.) Make sure the company you choose is a…
Why use whole life insurance for the infinite banking concept?
Why use whole life insurance for the infinite banking concept?
If someone can get your money, is it really yours? In today’s video we compiled a list of six reasons why you should use whole life insurance for the infinite banking concept. 1. Control 2. Safety 3. Guaranteed growth 4. Collateral opportunities 5. Tax deferred…
What are the benefits of whole life insurance?
What are the benefits of whole life insurance?
What are the benefits of whole life insurance? In this video, we explain whole life insurance benefits and why they are essential in any diversified portfolio. A benefit of whole life insurance is that your money is continuously being compounded. There are three known factors…
How to navigate the current economic downturn.
How to navigate the current economic downturn.
  Were you prepared for an economic downturn? Given the current situation, many people were not financially prepared for the effects of Covid-19. Whether you’ve been laid off or are now working from home, most people are struggling financially. You may have a few options…
Why Are We So Passionate About Helping Our Clients?
Why Are We So Passionate About Helping Our Clients?
What makes us so passionate about helping our clients become financially independent?   https://youtu.be/IdyFZRer-10 With over 35 years of experience in the financial services industry, we have seen how following conventional wisdom can lead you astray. What makes us so passionate about helping our clients…
Meet George and Beth: A Middle Class Family With No Way to Pay for Their Children’s College
Meet George and Beth: A Middle Class Family With No Way to Pay for Their Children’s College
Meet George and Beth: A Middle Class Family With No Way to Pay for Their Children’s College George and Beth purchased a lovely home in a safe and quiet neighborhood shortly after they wed.  As a two family income, both worked 9 to 5 jobs…
Tier 1 Capital knows there is another way to save for retirement – a system that pays you.
Tier 1 Capital knows there is another way to save for retirement – a system that pays you.
Using plans designed for heavy cash accumulation, Tier 1 will help you find where you are giving your cash away and teach you how to keep that cash at the tips of your fingers. Our method creates a “pool of cash” that can be used…
It isn’t good to be true.  It’s an effective solution to retirement savings and debt accumulation.
It isn’t good to be true. It’s an effective solution to retirement savings and debt accumulation.
Tier 1 was founded out of the frustration we all experience with trying to get ahead.  Our founder spent nearly a decade in financial services doing things the conventional way.  Paying down his debts and maxing out his 401K every year didn’t get him anywhere…
Think you know the problem with the debt & deficit?
Think you know the problem with the debt & deficit?
Search for:   Becoming financially independent isn’t as hard as you think it is. It starts by taking control of your money.       #mc_embed_signup{background:#fff; clear:left; font:14px Helvetica,Arial,sans-serif; width:600px;} /* Add your own Mailchimp form style overrides in your site stylesheet or in this…
Suze Orman and Dave Ramsey Discuss “Bank on Yourself”
Suze Orman and Dave Ramsey Discuss “Bank on Yourself”
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Becoming financially independent isn’t as hard as you think it is.
It starts by taking control of your money.

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