The IBC Operating System: How Currence Technology Transforms Your Cash Flow

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Why budgeting fails and what actually works to build wealth automatically

If you've ever tried budgeting, you know the truth: it sucks and it doesn't work anyway. People either don't do it, don't stick with it, or spend way too much time on something that ultimately fails to create lasting change.

But what if I told you there's a way to get all the benefits of budgeting—conscious spending, increased savings, financial control—without actually having to budget at all?

That's exactly what my recent podcast guest, Dave Mozeika, co-founder of Currence, explained during our conversation about what he calls "the IBC operating system."

The Real Problem with Money Management

Here's what happens to most people's money: You get paid, taxes get taken out, maybe some goes to your 401(k), and then everything else flows directly into your checking account—which is really just a spending account.

From there, you're fighting an uphill battle. You have to manually save money while being bombarded by Amazon, Netflix subscriptions, unexpected expenses, and the general chaos of daily life. It's no wonder most people struggle to save consistently.

As Dave puts it: "If we're sending all our money to the spending environment, what is that actually going to promote? Spending."

Why IBC Alone Isn't Enough

Here's something that's tough to admit: IBC doesn't actually solve a spending problem.

While whole life insurance does create some forced savings and provides a slight speed bump when accessing cash through policy loans, if you have a fundamental spending problem, you're still in control of the policy. I've seen it happen repeatedly—people borrow everything against their policies, lose their job, can't make premium payments, and the whole strategy blows up.

That's because IBC addresses the savings and leverage side of the equation brilliantly, but it doesn't fundamentally change the direction of your cash flow or make spending a conscious decision.

The Direction of Cash Flow Changes Everything

The breakthrough insight that Dave discovered through 20 years of working with clients is simple but profound: the direction of your cash flow determines your financial destiny.

Most people follow this pattern:

1. Income arrives in checking account

2. Spend first on expenses and lifestyle

3. Try to save whatever's left (spoiler: there's usually nothing left)

Currence flips this completely:

1. Income arrives in a "cash flow reservoir"

2. You consciously choose how much to send to spending

3. Everything else automatically gets saved

This creates what Dave calls "unconscious saving" instead of unconscious spending. Only by capturing every dollar that comes through your life first can you make savings automatic and spending intentional.

How Currence Works as Your IBC Operating System

For those of us practicing Infinite Banking, Currence becomes the perfect operating system for managing multiple whole life policies, policy loans, dividends, and premium payments.

Here's how it works:

Step 1: Open a Currence cash flow reservoir account (FDIC insured, takes 3 minutes)

Step 2: Redirect your direct deposit to the reservoir instead of your checking account

Step 3: Set up automatic transfers to your checking account for your spending needs

Step 4: Use the reservoir to manage all your IBC transactions—premiums, loans, dividends

Now every dollar gets captured first, and you consciously decide what goes to spending versus what goes to building wealth through your whole life insurance policies.

The Perfect Marriage: IBC + Currence

When you combine Infinite Banking with Currence, you solve both sides of the wealth equation:

• Currence captures every dollar and makes saving unconscious while making spending conscious

• IBC provides the perfect place for those captured dollars to grow with guarantees, liquidity, and leverage

Together, they create a complete wealth-building system where you're not fighting against your natural tendencies—you're using structure and technology to make wealth building automatic.

Real Results from Real People

The results Dave has seen are remarkable:

• The average Currence user saves 30% more of their after-tax income than a typical saver

• One couple went from having credit card debt to saving $130,000 in just 18 months

• Young professionals are becoming financially independent before age 40

As Dave explained: "I have clients that were used to making $70,000 a year coming out of their first legal job, now make a million dollars and still live on $12,000 a month because they have so much velocity in their cash flows."

Why This Matters for those Who Have Implemented IBC

Nelson Nash wrote in "Becoming Your Own Banker": "Don't be afraid to capitalize." But many people are scared to pay substantial premiums because they're worried about cash flow.

When you have your cash flow structure figured out through Currence, you're not worried about premium payments. In fact, you want to pay as much premium as possible because:

1. You know exactly where every dollar is going

2. You have complete visibility into your spending baseline

3. You can see the trajectory you're on financially

4. You have confidence to make larger financial commitments

The Technology That Makes IBC Effortless

Think of Currence as the connective tissue between your income and your wealth-building strategies. You can't deposit your paycheck directly into a life insurance policy, and you can't pay for groceries with your cash value. But you can create a frictionless system that:

• Captures every dollar automatically

• Feeds your IBC policies consistently

• Manages policy loans and dividends seamlessly

• Gives you complete control over spending

Getting Started

If you're already practicing IBC, adding Currence to your system can dramatically accelerate your results by addressing the one thing IBC can't fix—unconscious spending. If you're new to both concepts, implementing them together creates a powerful wealth-building foundation that works automatically.

The beauty is in the simplicity: reverse the direction of your money flow, and everything else becomes a conscious choice rather than a financial accident.

Want to learn how Currence could transform your cash flow and accelerate your IBC results? Visit StackedLife.com/Currence to get started.