Small business owner that payed off business and wants to know what to do with excess money. This sounds like the perfect candidate for implementing the Infinite Banking Concept... Most business owners struggle because of the lack of access to capital either in a crisis or in the event of a future opportunity that could be taken advantage of by having said guaranteed access to capital. Secondly, The Infinite Banking Concept ™ is perfect for real estate investment as well as future business expansion. As said in the commentary, always invest in yourself first, the determine other investments that you are interested in and that you thoroughly understand. My reply to this business owner, get and read the book Becoming Your Own Banker, as well as The Case for IBC, which is a newer book that is written in the eyes of a business owner. Links to the books in the comments. Great job @Matthew Sercely
As an Authorized Infinite Banking Concept Practitioner, I occasionally re-read or re-listen to the Book Becoming Your Own Banker. I think I get something different from it each time. Many people that try to bad mouth the concept have really never went through the book to really understand it. The ideas in the book are 180 degrees from conventional finance... For instance the saying "You finance everything, you either pay interest or you give up interest, there can be no other way" Listen to Becoming Your Own Banker by R. Nelson Nash on Audible.