1 rich Libsyn https://www.libsyn.com 90 600 $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 &quot;scholarship strategy&quot; 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 &amp;nbsp;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 🔔 Subscribe for more honest conversations about personal finance, retirement planning, and financial education that the mainstream doesn't cover 📧 Reach out with your questions for future episodes Website: https://www.withoutthebank.com&amp;nbsp; 💌 Email: tarisa@withoutthebank.com 💌 Email: maryjo@withoutthebank.com 👉 Get the book: https://www.withoutthebank.com/book&amp;nbsp; Without the Bank Podcast https://withoutthebank.com <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/40765775/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/content/200537315