When can someone start withdrawing cash?

How far can we take this thing?

Great ending to a dramatic explanation of how a whole life policy works as an ultimate financial tool.
So why not allow every dime that you have ownership of throughout your lifetime enter into your whole life policy savings universe.
Imagine putting every dime you ever make right into your policy and financing everything you buy with money obtained from policy loans, and paying loans back, then borrowing again.
A great way to manage finances throughout your lifetime, living up to the name whole life insurance from whole life mutual company.

You are a hero in disguise, I do not think all people watching this video realize the potential of what you are teaching them.

What software is this?

Excellent video. It's a clear and concise break down of how to use life insurance as a savings vehicle. Thanks!
A few things though:

So you're example with the car is flawed
The effective interest rate when you finance remains at 0%, not 7.1%
You sign on to repay $384.50 for 60 months. Total outlay = $23,070
For this, you get the car, valued at $19,370. You also get $3,700 cash. Equaling $23,070
Resulting in a 0% interest rate.
What this suggests is, the true value of the car is even less than $19,370, and the true interest rate remains unknown.

Now your examples on how to fund the car are also not quite right.
You're comparing apples and oranges when you compare financing to paying cash.
In your pay cash example, your total outlay is $10,000 per year.
In your financing example your total outlay is $14,724 per year. ($10,000 plus loan repayment of $4,724)
This is the reason for the massive difference of $350,000 and $195,000

You correct this in the self financing example by paying yourself back the principal plus interest on the car.
You come out ahead in this example with $384,000, to the bank financing example of $350,000. The difference here is you're paying yourself the interest instead of the bank.
What you fail to mention though is, by using your own cash to finance the car you incur opportunity cost on your money.
So the real result of the self financing method is $384,000 plus opportunity cost. Which may or may not turn out to be better than the bank financing method.

Now I agree, the life insurance example as you've laid it out here is the superior method. None of these points takes away from that. I just wanted to point out these inconsistencies so that we could have a true comparison.

A question:
Where are you getting these cash values on the example policy you're using? It all hinges on this really.
Is there a reliable way to calculate them?

It looks to me like this is where you just have to rely on the contractually agreed minimum return. But I'm just wondering what factors go into calculating this, and why does the return fluctuate slightly year to year?
I'm not even sure I'm asking exactly the right question here. And I suspect the answer is quite complex.

I'd love to see a chart that included the cost of the policy year to year. For example, I can see for the first year it cost $8313. ($20,000 – $11,687)

People get confused because they look at this as an investment. It's not an investment. It's a vehicle for investment. Whole life insurance (when structured properly) is more like a bank for your money. One that you control. It's a bank that allows you to take out a loan whenever you want for whatever reason you want and THEN you go out and make investments or start a business with that loan all while your original "savings" in your bank is still compounding.

Whole life is a scam and anyone selling it is a scamster

4% management fee for an index fund, now thats the biggest lie i have heard. Please stop lying man

Great video. Make more!