Apr 16, 2026
$168,000. Gone.That's what most parents spend on youth sports — no savings, no scholarship, no return.
Are you spending $12,000 a year on your kids' sports — and have nothing to show for it? Most parents will drop $168,000 per child on activities, travel, and gear over 14 years — money that quietly disappears instead of building your retirement.
In this episode of Without the Bank, I'm breaking down the strategy that changes everything: how to funnel your kids' activity spending through a whole life insurance policy so that money builds wealth instead of draining it.
We cover:
➮ Why the "scholarship strategy" is a financial myth most parents
fall for
➮ The exact numbers: how $12,000/year becomes $367,000 in cash
value over 21 years
➮ Why the infinite banking concept beats a 529 plan for most
families
➮ The hidden restrictions in 529 plans that financial advisors
don't warn you about
➮ How to use this strategy to fund college, a car, or even your
child's first business
Your kids don't have to drain you. They can actually help you build.
⏱️ Chapters:
00:00 The $168,000 Problem No One Talks About
01:00 How the Math Actually Breaks Down
03:00 The Smarter Way to Fund Sports
04:00 Policy Numbers: $252K In, $367K Out
05:00 How Cash Value Grows Over Time
06:00 The Scholarship Myth (And What It Actually Costs)
07:00 What Youth Sports Are Doing to Your Retirement
09:00 Why 529 Plans Fall Short
11:00 Rethinking How You Use Your Money
12:00 The $900 Wrestling Tournament Story
13:00 Bad Coaches and What Sports Really Teach
14:00 Individual vs. Team Sports — A Different Take
15:00 Teaching Kids to Stand Up for Themselves
16:00 What If Your Kid Started a Business Instead?
17:00 How to Get Your Own Strategy
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📧 Reach out with your questions for future episodes
Website: https://www.withoutthebank.com
💌 Email: tarisa@withoutthebank.com
💌 Email: maryjo@withoutthebank.com
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