09/08/2026
What if only 10% changed the way they banked?
For years, the Nelson Nash Institute has referred to a much bigger vision behind the Infinite Banking Concept:
âBuilding the 10%.â
L. Carlos Lara later explained the goal in detail: roughly 30 million Americans â about 10% of the U.S. population at the time â reaching a critical mass around the ideas behind IBC and economic freedom.
The strategy wasnât to wait for Washington to reform the monetary system.
As Lara wrote:
âThere was no need to wait on government to change anything.â
Instead, change could begin voluntarily at the individual level.
IBC gives individuals a way to begin taking greater control of the banking function â accumulating capital in properly designed dividend-paying whole life insurance, borrowing against that capital, deploying it elsewhere, and repaying and reusing that system.
Then educating others.
Lara illustrated the potential reach:
75,000 financial professionals
Ă 150 relationships
Ă 5 additional connections
= 56 million people.
The target was 30 million.
The idea was that once enough people understood and implemented these principles, the movement could reach a âtipping point.â
Thatâs the bigger vision behind Building the 10%.
Not waiting for change from the top down.
Changing financial behavior from the bottom up.
IBC isnât simply about owning life insurance.
Itâs about who controls your capital and who performs the banking function in your life.
Build the 10%.
Learn how to own the banking function.
WellingtonCapitalReserve.com