
Founder, BetterWealth
Caleb Guilliams
Caleb started BetterWealth at 21, working out of a basement, chasing a question he had been asking since his first job processing chickens: how do ordinary people actually build wealth?
That question took him into banking at 17 and into managing a community bank's investment division at 19. It eventually led him to life insurance, which, set up correctly, he found to be one of the most powerful and most misunderstood tools in personal finance. He wroteThe AND Asset about it, and he has been teaching it ever since on the BetterWealth and AND Asset YouTube channels.
He lives in the Nashville area with his family.
How he got here
First real look at how ordinary people manage and build money.
Ran the investment arm of a community bank while looking for better answers than the ones he was given.
Out of a basement, on the conviction that people would want life insurance if they actually understood it.
Articles by Caleb
57 articles on how permanent life insurance is designed, what the cash value actually does, and how the carriers compare.
Whole Life Basics
- Whole Life Insurance as an Asset Class (2026 Analysis)
- Record Life Insurance Dividends 2026: What They Mean
- Sequence of Returns Risk: Why Saving More Isn't a Plan
- Buy-Sell Agreement Life Insurance: How Funding Works
- Key Person Life Insurance: How It Works & Who Needs It
- Life Insurance for Business Owners: The Complete Guide
- Is Whole Life Insurance Worth It? An Honest Answer
- Super Roth Life Insurance: How It Actually Works
- Whole Life Insurance for High Earners: Is It Worth It?
- Why the Wealthy Use Life Insurance: The Paul Atkins File
Infinite Banking
- How to Start a Family Banking System (2026 Guide)
- Infinite Banking for Cars: The Math That Settles It
- IUL vs Whole Life for Infinite Banking: Honest Take
- The AND Asset Policy Study: What 2,000+ Real Policies Show
- Is Infinite Banking a Scam? An Honest Answer
- How to Structure an Infinite Banking Policy (2026)
- Infinite Banking Concept Explained Simply (2026)
- Infinite Banking Pros and Cons: An Honest Assessment
- Infinite Banking vs 401(k): The And Asset Compared
- Infinite Banking vs Dave Ramsey: An Honest Response
- Infinite Banking vs HELOC: An Honest Comparison (2026)
- Velocity Banking Controversy: An Honest Breakdown
- What Is Infinite Banking? The And Asset Guide
Policy Design & Cash Value
- Cash Value Life Insurance for Business Owners
- How Soon Can You Borrow Against Whole Life Insurance?
- How Whole Life Insurance Cash Value Works (2026 Guide)
- Limited-Pay Whole Life Insurance Explained (2026)
- Overfunded Whole Life Insurance: How It Actually Works
- Paid-Up Additions Whole Life: The Cash Value Engine
- Premium Financing Life Insurance: An Honest 2026 Guide
Comparisons
- Whole Life Insurance vs Investing: A 55-Year Math Review
- Indexed Universal Life Insurance (IUL): How It Works
- Is IUL a Good Investment? An Honest Answer (2026)
- IUL Pros and Cons: What Agents Don't Explain (2026)
- IUL vs Whole Life Insurance: An Honest Comparison
- Whole Life vs Term Insurance: Which Is Worth It? (2026)
Carrier Reviews
- Catholic Order of Foresters: Whole Life & IBC Review
- Best Life Insurance Company for Infinite Banking 2026
- Ameritas Infinite Banking 2026: Honest Carrier Review
- Best Whole Life Insurance for Cash Value (2026)
- Guardian Infinite Banking 2026: Honest Carrier Review
- Lafayette Life Infinite Banking 2026: Honest Review
- Mass Mutual Infinite Banking 2026: Honest Review
- OneAmerica Infinite Banking 2026: Honest Review
- Pan-American Infinite Banking 2026: Honest Review
- Penn Mutual Infinite Banking 2026: Honest Carrier Review
- Security Mutual Infinite Banking 2026: Honest Review
- Best Companies for Infinite Banking 2026: Carrier Guide
- Foresters Infinite Banking 2026: Honest Carrier Review
Taxes & Estate
- Dynasty Trust Life Insurance: How the Wealthy Do It
- Reverse Mortgage Tax Strategy 2026: An Honest Review
- Are Life Insurance Proceeds Taxable? The Honest Answer
- How to Avoid Tax on Life Insurance Proceeds (2026)
- Is Life Insurance Tax Deductible? The Honest Answer
- Is Life Insurance Taxable? The Complete 2026 Guide
- Dangerous Tax Advice Online: A Tax Attorney Responds
- Section 7702 Life Insurance Tax Strategy: An Honest Guide
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