I was reviewing our bills and was frustrated that no matter how hard I tried, I couldn’t seem to lower our debt. I couldn’t figure out what I was doing wrong. After listening to (my YFB producer) and seeing the numbers on paper, I have to admit, the program intrigued me. I told them that at this point there had to be a better way than what I was doing and was willing to try anything. Come to find out, (this) way was better. We have now been on the plan for almost two years now and have paid off over $50,000.00 in debt. I should also mention that we have not had to change our lifestyle either. Our personalized financial plan shows that we could be completely debt-free within 10 years, including our mortgage, and still be able to send our 2 children to college and retire without financial hardship. Thank you for being patient with a skeptic and providing the tools to obtain a debt-free future.

Erika M.


When I think of the long-term effects on those who read Becoming Your Own Banker, I see: Less divorce in our country. Most of the divorces have financial matters at their root. Less need for government interference in out lives. Obeying the principles will preclude the need for Social Security. Peace of mind. This will have an effect of life span and overall health. Control of your own destiny. The ability to serve others more effectively. This concept allows all these things to happen. I’m glad I was introduced to it many years ago and was able to play a part in its development.

Roland J. Nelson


The concept offers a chance to accumulate much greater sums of money ‘tax-free’ than is possible with IRAs or 401(k) plans, without being forced to wait until age 59 ½ to use the money without penalties, or being forced to begin taxable withdrawals at 70 ½.

Kent Basson


Until I was introduced to the Family Banking Plan, money made no sense to me. It was just a bunch of numbers. You make money and you spend it. That was all there was to it. Now, it’s like a whole new world has opened up to me. It’s like I understand a new language or something. Now that I ‘see’ money in this new way, I am better at budgeting and all of the other aspects of money that were so foreign to me before.

Jessica S

I wish I had learned about building my own private bank concepts earlier. Now I am in the 4th year of building my own bank. However, I was able to finance a car last year already if I wanted to. The system is amazingly simple to follow and it makes so much sense for the real wealth building and preservation. It provides more than recovering the interests and cost of the car and any major purchases; it also provides many instant tax-favored benefits I did not have before. I am not only using the system for car purchase, I am also building my own bank for emergency cash reserve, liquid cash for other investment opportunities, my retirement savings, etc. I wish I had started the system much earlier.

C. L.


As a part time college professor with three kids, it is important for me to know where every penny is going. Your Family Bank showed me how I could use existing equity in my house to create a banking system that could pay off my current car loans. Now I am making the car payments to my bank instead of someone else’s bank! It’s amazing how much more money is available when you’re working with someone who knows where to look and how to find it. Plus, if something were to happen to me, I know that my family will be taken care of financially. It’s amazing to think that you can have that kind of peace of mind and make money at the same time!

S. B.


The Family Banking Plan has been a great financial tool in my life and the life of the people I have shared it with. The concept can provide so many benefits that you can’t find with any other financial tool. Giving families hope that they can get out of debt and create a future full of financial certainty is a great thing!

Ryan D.


I sat Down with Ronald in 2016 having lost half of my 401k savings from 2008 to 2009. Ronald gave me an education I will never forget. He turned my financial nightmare into a life-changing concept, just by redirecting my money in YFB. Because of what YFB did for me, I went and obtained my license and was educated so I can help other people change their financial outlook for the better. I can proudly say I have changed clients’ lives for the better!

Richard Alpirn



Proven formula for success

The Average American is paying .54 to .64 of every dollar they earn on interest and taxes. Your Family Bank is a legal, legitimate plan that recaptures some of this loss and lets your family’s nest egg grow safely and predictably. This is a time-tested concept that has been around for over 200 years.

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