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Watch · Opportunity Cost
Start here

Opportunity Cost

We finance everything we buy, even when we pay cash — and where those dollars really go.

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The book

BYOB
Be Your
Own
Banker
Gina C. Wells
Be Your Own Banker

Stop financing everyone else's wealth.

Be Your Own Banker (BYOB)

Every time you finance a car, a home, or a major purchase, you hand interest to a lender you'll never see again. The Be-Your-Own-Banker approach asks a simple question: what if you could become your own source of financing — and recapture that interest into your own system instead of transferring it away?

  • How the everyday flow of interest quietly drains family wealth
  • The concept of becoming your own source of financing
  • Where a properly structured policy fits in the bigger plan
  • How this connects to the Personal Economic Model
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