
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
124 articles on how permanent life insurance is designed, what the cash value actually does, and how the carriers compare.
Whole Life Basics
- Cash Flow Strategy for High Earners: Stop Chasing Returns
- Life Insurance to Keep Key Employees: 6 Non-Qualified Plans
- Whole Life Insurance Rate of Return: The 3 Rates Explained
- Private Equity Life Insurance: The $17 Billion Case
- History of Life Insurance: 300 BC to Today
- Academic Case for Whole Life Insurance: The Research
- Whole Life Insurance as an Asset Class: 100 Years of Data
- How To Use Life Insurance While You're Still Alive
- 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
- How Whole Life Insurance Rates Change by Age | Better Wealth
- Do I Need Life Insurance? Complete Guide | Better Wealth
- Do You Really Need Life Insurance at 18? Honest Answer
- Invest in Life Insurance Compound Interest | Better Wealth
- How Life Insurance Builds Compound Interest Over Time
- Term Life Insurance Explained: Full Guide | Better Wealth
- Whole Life Insurance Explained: Complete Guide|Better Wealth
- Post-Election Opportunities for 2025 | Better Wealth
- 19-Year-Old Leads Bank Investment Team | Better Wealth
- 3 Questions That Could 10x Your Business | Better Wealth
- 3 Ways to Sell More Without Being Salesy | Better Wealth
- Entrepreneurs: Stop Making Excuses & Take Action |
- Prosperity Lessons from the Rockefellers | Better Wealth Gui
- Why I’m Skeptical About Becoming Your Own Bank-Better Wealth
- How to Turn Inflation into an Advantage | Better Wealth
- The Fed’s Latest Response to Inflation Spikes | Better Wealt
- The Future of Retirement Income: New Strategy Explained | Be
- I Challenged Curtis Ray About MPI | The Truth Revealed
- Why I Won’t Pay Off My Mortgage Early | $1M Mistake
- The One Video That Changed My Financial Life | Better Wealth
- What to Expect When the Recession Hits | Better Wealth
- Why Retirement Is a Scam:What You Need to Know-Better Wealth
- Secure Your Financial Legacy Today | Better Wealth Insights
- How $12K Can Be Worth More Than $120K | Better Wealth
- How Elon Musk Made $1B Using Debt | Better Wealth
- Protect Your Finances During a Recession | Expert Strategies
- Front-Loading Whole Life Insurance: How and Why It Works
Infinite Banking
- How to Be Your Own Bank With Life Insurance
- How to Find an Infinite Banking Advisor: Vetting Guide
- 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
- IULs, Whole Life & Infinite Banking: Expert Reviews | Better
- Velocity & Infinite Banking Masterclass | Better Wealth
- Why Alex Hormozi Shifted His View on Infinite Banking | Bett
Policy Design & Cash Value
- Whole Life Illustration vs Actual: A 20-Year Test
- Whole Life Policy Loans: 4 Carriers Compared (2026)
- Whole Life Living Benefits: Chronic Illness Riders Compared
- Whole Life Policy Loans: When Borrowing Makes Sense
- Cash Value Life Insurance for Business Owners
- How Soon Can I Borrow From My Life Insurance Policy?
- 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
- Private Equity in Your 401(k): What Changes for You
- IUL vs Whole Life: What the IUL Challenge Reveals
- 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)
- Capital Gains Tax: Short-Term vs Long-Term | Better Wea
- Whole Life vs Term Life Insurance: Which Is Right? |
- Term vs Whole Life Insurance Explained — BetterWealth
- Liberal vs Conservative Tax Policy | Impact on the Economy E
- Savings vs Insurance: High‑Yield Accounts vs Life Insurance
- Convert Term to Whole Life Insurance: Choose Your Coverage
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
- Guardian Life Insurance Review: What It Actually Pays
Taxes & Estate
- Tax-Free Retirement Playbook: Fixing a Large IRA
- What Is Private Placement Life Insurance (PPLI)? Full Guide
- Cash Balance Plan + Life Insurance: The Tax Strategy
- 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
- Can You Avoid Taxes on Overtime? | Better Wealth
- Property Taxes Across the US: See Your State’s Rank | Better
- What Is the 2024 Standard Deduction? | Better Wealth Guide
- How to Use the 2024 Tax Calculator: Refund Math Made Easy
- Are Life Insurance Proceeds Taxable? IRS Rules Explained | B
- Burying Bodies: The Secret Tax Loophole? | Better Wealth
- 3 Massive Tax Deductions Every Business Should Claim | Bette
- High Net-Worth Estate Planning Strategies | Better Wealth
- Why Most Real Estate Investors Are Failing | Better Wealth
- If Kamala Harris & Taxes: Expert Advisor Insight
- What You Need to Know About the 2017 Tax Act
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