06/11/2026
The fast money vs the working money — the distinction that clears up 80% of the "IBC vs high-yield savings" confusion:
Your HYSA is for FAST money. Emergency reserves. 30-60 days of operating cash. Things you might need within 24 hours. It pays 4-5% today — variable, and taxed every year as ordinary income. (Three years ago that same account paid 0.01-0.06%.)
A properly designed IBC policy is for WORKING money. Deal capital that cycles through acquisitions. Tax reserves waiting on the IRS. Mailer budgets. Closing costs. It grows tax-deferred, and the same dollar keeps compounding inside the policy even while a policy loan has it deployed on a deal.
One account does one job. The other does two jobs at once.
Most land investors should have BOTH — and most have neither sized right.
Where does your between-deal capital actually sit today? The 4-minute audit runs the math:
Find out how much money you lose between land deals. This free 4-minute audit calculates your idle capital, tax reserves, and opportunity cost.