Thank you and it's more common than you think. Jim Harbough is just one of example but wealthy people have known about it and used it for decades. Walt Disney, JCPenney, President Roosevelt are just a few examples off the top of my head. 401k/IRAs only came about in the late 70s and gained popularity from there as companies decided to do away with costly pension plans. The bull market from 1982 to 1998 also helped the popularity of 401ks, too. But people who retire with 401k/IRA's are discovering the major problems associated with them: no guarantees of income or principal and a lifetime of taxes. Two things that can be avoided with an Infinite Banking designed Whole Life policy.