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Own The 4-D Banking Mindset

      • Start with Hutch’s 5-minute video intro to the 4 Dimensions of 4-D Banking
      • After that is a 30-minute deep dive on the mindset of borrowing with 4-D Banking. You can watch the video below or listen on YouTube, Spotify, or Apple Podcasts.
      • Lastly, the original 4-D Webinar video is below, where Hutch details the entire 4-D concept

The Four D's of 4-D Banking

Hutch from BankingTruths.com introduces 4-D Banking, a strategy that goes beyond traditional life insurance, leveraging assets like retirement plans, stocks, real estate, and precious metals to maximize compound interest and tax efficiency. By coordinating these assets, 4D Banking enables tax-free borrowing and mitigates risk while enhancing liquidity, allowing assets to continue compounding even when used. This approach emphasizes the “four dimensions”—tax exposure, growth potential, risk/volatility, and the “triple L’s” (liquidity, leverage, and loan rate)—to create a balanced, flexible financial strategy for building wealth over time.

At Banking Truths, we believe in providing education & modeling so you can decide if this strategy is a good fit for you:

  • Get all your questions answered
  • Learn in the context of your model
  • Never any pressure or hard pitches 
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The Psychology of Debt with Infinite Banking vs. Velocity Banking

In this episode of “Road Noise with Hutch,” Hutch critiques the “debt-free dream” mindset, contrasting it with the wealth-building potential of Infinite Banking (IBC) and Economic Value Add (EVA). He explains his “4D Banking” system, combining ideas from Velocity Banking, IBC, and EVA to maximize cash flow, compound growth, and liquidity—enabling people to build wealth independently of traditional banks.

0:00 – The common psychology of debt vs. a privatized banking mentality
1:30 – The flaw within every “debt-free-dream” including Velocity Banking
3:00 – Cash is trash (and actually backed by a lot of debt)
6:30 – How even blue chip stocks & index funds are backed by debt & leverage
8:50 – Using strategic leverage & managing cash flows to build wealth
10:30 – Choosing assets & debt tools that can’t be revoked from you
12:10 – Nelson Nash’s take on “You finance everything you buy”
13:30 – EVA – the corporate finance mindset to be applied to personal finance
16:00 – Why a Whole Life policy is the perfect measure for a “risk-free rate of return”
18:00 – Why diversifying a stock portfolio doesn’t work anymore
20:30 – 4D Banking’s 4 major asset classes
22:00 – Using 401k loans as a liquidity backstop
23:00 – The problems with a Roth
23:30 – Precious metals the ultimate liquidity backstop
25:00 – A stock or ETF portfolio as the borrower’s first stop with deductible interest
26:30 – Life insurance cash value as your first line of defense
27:00 – HELOC as a way to unlock additional liquidity
28:30 – “You Finance Everything You Buy – Even if you Pay Cash”

4D-Banking: An Expanded Framework for Defensible Leverage

Dive into the full concept in this hour-long webinar:

Drill Deeper Into the 4-D Banking System: