Financial Planning is a Complete Disaster

Financial Planning is a Complete Disaster

From StackedLife - Authorized Infinite Banking by John D. Perrings

November 21, 2025 · 17 min

About this episode

John D. Perrings discusses the flaws in conventional financial planning and presents three principles for a more stable financial strategy.

Conventional financial "planning" is a misnomer: it relies on an unstable foundation of market variables, gives up control, and follows the herd. Learn three timeless principles of a financial strategy based on certainty and control that allow you to stop chasing risk and build your own banking system. More From John: 1. Get a free one-on-one Financial Assessment 2. Get my free weekly newsletter with exclusive content on financial education 3. Free mini-course: Supercharge Financial Growth with Whole Life 4. Work with me: Schedule a consultation About me: I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses. Get Access to All My Stuff: StackedLife.com Topics Discussed: (00:00) - Introduction: The Flawed Foundation of Conventional Financial Planning (01:18) - The Problem with Variables-Based Planning (03:42) - The Herd Mentality and Market Bubbles (06:14) - Sequence of Returns Risk and Market Volatility (08:04) - A Principles-Based Approach to Financial Planning…

People in this episode

Host: John D. Perrings

Topics covered

  • financial planning
  • infinite banking
  • risk management
  • financial strategy
  • market volatility
  • personal finance

Keywords

  • financial planning
  • infinite banking
  • whole life insurance
  • market variables
  • risk
  • financial strategy

Mentioned in this episode

Organizations: Nelson Nash Institute

Products: Whole Life Insurance

More episodes of StackedLife - Authorized Infinite Banking

Explore listener stats, chart rankings, contacts and more on the StackedLife - Authorized Infinite Banking podcast page.