You WIN Banks LOSE | Moran Financial

How to Buy a Car Without Killing Your Wealth

By Will Moran – IB Canada Group

Spender. Saver. Wealth Creator.
Which One Are You? Who Really Wins?

The Spender Trap:
Borrow. Repay. Repeat. Lose.

Sound familiar? You want a car. You borrow. You pay it off. Then borrow again. It never ends. Over a lifetime, this rinse-and-repeat cycle can cost you over $600,000 in lost opportunity and interest.

• Every loan payment = money you’ll never see again.
• When it’s paid off, you're back in line, begging the lender again.
• You live with rigid payment schedules, zero control, and you’re always one emergency away from chaos.
• You’re living below the zero line, forever financing your life for someone else’s profit.

That means nearly two-thirds of your income disappears before it can even begin building wealth.

What would change in your life if even half of that money came back to you?

The Saver Illusion:
Save. Spend. Start Over. Still Lose.

We thought we’d cracked the code. My wife Sue and I saved up, paid cash for our car, and felt like geniuses.

But here’s the truth we discovered:
• Every time we paid cash, we killed our compounding.
• It’s like chopping down your apple tree just to get the apples.
• Yes, we avoided interest… but lost a lifetime of potential growth.
• Einstein called compound interest the eighth wonder of the world — and we gave it up over and over.
• Our money worked once. Then it was gone.
And guess who still won? The banks. The system. Not us.

Make Every Dollar Work Twice as Hard

Today, your $1 does just one job—it pays a bill, buys groceries, covers a vacation. Once it’s spent, it’s gone.

But what if that same dollar could fund your lifestyle and build wealth - at the same time?

That’s the power of IBC^®- moving your money through a high-performing asset (a participating whole life insurance policy) that you own and control.

And it’s not just for the wealthy.

This strategy is designed for everyday Canadians and Americans who want to take back control.

The Wealth Creator’s Move:
Be the Bank. Win the Game.

Now imagine this:

What if you could “pay cash” AND never interrupt compounding?

What if your dollars could work for you today AND grow for your future — at the same time?

This is the essence of the Infinite Banking Concept (IBC).

With IBC^®, you no longer just spend or save — you create wealth. Here's how:

• You redirect your money into a specially designed whole life policy.
• It grows tax-advantaged, earns dividends, and builds cash value — guaranteed.
• You borrow against it, buy your car, and your money keeps growing as if you never touched it.
• You repay yourself on your terms — not the bank’s.
• You gain control, liquidity, and peace of mind.

And here's the kicker:

You get multiple uses out of the same dollar.

You get growth, tax benefits, liquidity, and a legacy - all in one move.

You go from a middle-class mindset to a wealth-building machine.

This strategy is not new — it’s how the wealthy have quietly built empires for generations. From Walt Disney to Wachovia Bank, they’ve used IBC to multiply dollars and protect legacies.

Start Your Journey Today

Download our free eBook: Think Like a Banker – And Flip Debt on Its Head
Read Nelson Nash’s classic: Becoming Your Own Banker
CONTACT an IBC® Coach today

It starts with one step: learning. Let’s show you how IBC works. No cost. No obligation. Just clarity.

IBC

^®

You WIN They LOSE

How to Buy a Car Without Killing Your Wealth

IBC

is a generational wealth-building system.