Shift how you think about money. Build wealth that outlives you.
We teach families to become their own private bank. You keep control of your money, keep the interest you'd normally pay a lender, and pass real wealth on to your kids.
I want my money to work for my family.
See how private family banking works, what you need to start, and whether it fits your goals.
Most of us were taught to save. Few of us were taught to take control.
The usual approach sends your money, and the interest on it, to someone else's bank. Family banking flips that around, so your money keeps growing while you use it.
Learn the conceptMINDSHIFT THINKINGThree steps to your private family bank.
Learn the concept
Start with our free video and resources. Understand how family banking works before you commit to anything.
Build your plan
Meet one-on-one with Chris on a strategy call to map a strategy around your income, goals, and timeline.
Fund your family bank
We'll show you where to find the starting money. Often it's money you're already spending or saving.
He sold his insurance company to teach this full-time.
Chris Gardner spent 15 years building a successful insurance business, but he still felt something wasn't right with how he made, spent, and saved money. Discovering the private family banking system changed his own finances so completely that he sold the company and founded MindShift Financial.
Today he's an author and nationally sought-after speaker who has walked everyone from college students to multimillionaires through the process.
Questions people ask before they start.
Plain answers, reviewed by Chris Gardner. No jargon and no pitch.
Browse all answersWhat is private family banking?
Private family banking is a strategy where a family builds up a pool of money, usually inside a dividend-paying whole life insurance policy, and borrows against it for big purchases instead of going to a bank. Repayments flow back into the family's own system rather than to a bank.
Read the full answer →How much money do I need to start?
There's no fixed minimum that fits everyone. Plans are designed around your cash flow and goals. Part of MindShift's process is helping you find money you may already have in savings, payments you could redirect, or monthly cash flow.
Read the full answer →Is family banking risky?
Whole life cash values are not tied directly to the stock market, and guarantees are backed by the claims-paying ability of the insurer. The main risks are funding a policy you can't sustain or surrendering it early, when surrender values can be lower than the premiums paid.
Read the full answer →Is family banking right for everyone?
No. It works best for people who can commit to consistent funding over many years and who value control and liquidity. If you need short-term returns or can't reliably fund premiums, other options may fit better, and we'll tell you so.
Read the full answer →
