Hi all — I wanted to share a tool I've been working on for a while to help me manage my IBC strategy. I built it for myself first. I'm hoping for feedback so I can make it useful for others too — the goal is to make IBC more transparent. Take a look at https://ibctool.app It keeps your policies in one place: cash value, loans, and what you can still borrow. Envelope-style budgeting of your cash value so you can earmark money for a car, a property, reserves, etc. without actually pulling it out of the policy. It also helps you run the PUA ↔ loan cycle for recurring expenses (Nash's new car example): borrow against a category, repay from redirected PUA, refill when the loan is gone, borrow again. And it keeps an eye on the usual policy nuances and footguns — interest about to capitalize, PUA room you're behind on, a rider close to lapsing, that kind of thing. Its currently free to use and I'm looking for feedback, so hop on and let me know what you think. Feel free to post any questions you may have here.

Can be just to say hi, tell a story about how you discovered IBC, what you're exited about right now etc. Please feel free to mention also what you do so we can support eachothers businesses, but let's not be "spammy" about it ok?