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Episode 182 – Banks Don’t Want You Thinking Like a Banker

Banker's Mentality, Banking Secrets, Be Your Own Bank, Cash Flow Banking, Cash Flow Management, Family Banking, Financial Strategies, How Banks Profit From Your Money, Private Banking System, Rate of Return, Smart Risk Framework, Wealth Building, Wealth Planning
September 17, 2026

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What if the biggest obstacle to building lasting wealth isn’t your income… but the financial system you’ve been taught to trust?

In this episode of the Private Banking Strategies Podcast, Seth Hicks and Vance Lowe explore one of the biggest mindset shifts in wealth creation:Banks don’t simply store money—they put it to work immediately.

So why aren’t you doing the same? Discover why the world’s wealthiest families focus first on building a banking system they own before pursuing investments.In this episode you’ll learn:

• Why banks encourage consumers—not owners

• The hidden “banking equation”

• Why controlling cash flow creates long-term wealth

• How private banking changes the way money works for your family

• Why the first investment should often be your financial infrastructure

If you’re ready to stop asking, “What’s my next investment?”and start asking, “How do I control my money?”this episode is for you.

Podcast Transcripts

[00:00:00] Intro: Welcome to Private Banking Strategies Podcast with Vance Lowe and Seth Hicks, your secret weapon to protect your assets and never have to start over financially again Vance and Seth help high net worth individuals, families, business owners, and investors structure an asset-protected, tax-free fortress for their families.

[00:00:21] Intro: Learn how to keep what you earn and use the velocity of money to create your own private banking system. Join us on this journey as we explore the secret strategies of the rich and political elite, and help you take total control of your financial security. Now, onto the show.

[00:00:37] Seth Hicks Esq.: Hello, and welcome to the Private Banking Strategies podcast with Vance Lowe and Seth Hicks.

[00:00:42] Seth Hicks Esq.: Vance, how are you today?

[00:00:43] Vance Lowe: I’m doing great. If I was any better, there’d have to be two of me.

[00:00:47] Seth Hicks Esq.: One of the reasons you’re so happy is because you understand banking, and we’re gonna talk a little bit about why banks, traditional banks, centralized banks, they want you thinking like an investor and a [00:01:00] consumer, and that they are your go-to for your financial needs.

[00:01:05] Seth Hicks Esq.: Have you ever wondered why banks spend billions of dollars encouraging people to invest and to bank with them, but they never teach people how to actually bank themselves?

[00:01:15] Vance Lowe: I wanna put a little story in here on that, something I learned about banking and what’s going on with banking. It was a movie on how a bank had to step in and literally shore up a country, a small country.

[00:01:28] Vance Lowe: They came in and did what they needed to do to shore up that country, and it didn’t look like the bank themselves were going to make a lot of money. And so, the, either the president or the secretary of that country went to the banker, and they were right at the end of the movie, and he said, “Why do you do this stuff?

[00:01:48] Vance Lowe: Because it doesn’t look to me like… You came in and helped us out and saved our bacon, so to speak, but what’s in it for you?” And he looked at him, he says, “You can’t realize [00:02:00] what we’re doing? We now control your country.” Banks are in it for the control of people, assets, towns, states, countries, and that’s exactly what’s going on.

[00:02:14] Vance Lowe: So, there is a protocol. They teach us what they want us to know about money, and we execute that, folks. That’s exactly what we think we know about money. We’re supposed to do it this way, that way. Everybody’s doing it this way, that way, and it’s ended up being what’s called the herd mentality, and now people are realizing this herd mentality is walking off a financial failure cliff.

[00:02:35] Vance Lowe: So, we got some problems. So, we’ve got this little idea today we wanna drop on you. Get you to ask yourself some questions. So, let’s get into it. Let’s go back in. Why are these banks spending so much money?

[00:02:51] Seth Hicks Esq.: They want you to house their money in, within their reservoir instead of creating your own reservoir where the money paths flow [00:03:00] back to your reservoir.

[00:03:00] Seth Hicks Esq.: They don’t tell their shareholders to put their money in a different bank. They tell their shareholders to put money in that bank. And when you deposit money, the banks don’t just put it in Fort Knox and sit on it. They put it to work immediately. In fact, Vance, I would say that as soon as you bring $100,000 in the front door, most of the larger top five big banks, they’re gonna take 90 to $95,000 out the back door and start making loans.

[00:03:27] Vance Lowe: That occurs, that occurs the same day. If you bring money in the morning, it could literally have changed hands eight times through the banking system, that credit all the way through. You have to understand that. And I don’t wanna get complicated, but boy, yeah, money moves really fast. Banks do not let money sit at all.

[00:03:45] Seth Hicks Esq.: I don’t know if most people have thought of that. Some folks have out there. But you bring the money into the bank, and you get a bank statement that says you’ve got $100,000 with that bank. But i- in actuality, they took your [00:04:00] money that you just deposited with them, and they went and they didn’t offer you a partnership.

[00:04:05] Seth Hicks Esq.: They didn’t offer you any type of returns on your money there. In fact, they’ll charge you a fee for writing too many checks or doing too many wires or not having enough money there. They actually charge you for you placing your money there. And then they take your money, and they go loan it out to other folks.

[00:04:26] Vance Lowe: And it’s a bad scenario. It’s called factoring or what we call fiat baking. Most of the money in the banking system right now is fiat or fake. It’s just air. It’s just written down because they get to lend money out of thin air against the deposits. And it could be 10 to one, keeping one and lending out the nine.

[00:04:47] Vance Lowe: So yeah, there’s things they don’t want you to know, but there are also things they want to tie you into so that you worry about, you concentrate. And believe me, [00:05:00] the… it’s working because you’re giving your money back to the banks. When you spend it and you lose control of it, the banks receive it.

[00:05:12] Midroll: Did that story feel like it was about you? Do you feel like you are generating a lot of revenue but are not moving forward as fast as you would like? Do you feel you should be making more progress toward your financial goals? Do you feel stuck? Let us help you get unstuck. Are you ready to take action and get your own private bank?

[00:05:35] Midroll: Please visit us at www.privatebankingstrategies.com.

[00:05:43] Seth Hicks Esq.: And that’s what we wanna educate folks on, is that you can actually create a financial system yourself where your dollars are working for you, and they’re connected to an overall wealth strategy that benefits you and your family. And that’s ownership.

[00:05:58] Seth Hicks Esq.: That’s not [00:06:00] consumptive, it’s not the traditional thinking that people have when they’re thinking of how to increase their wealth. The first cornerstone that you build off of is creating your own private banking strategy and system that you build everything else off of.

[00:06:16] Vance Lowe: That’s the secret, is to bringing what’s known as the banking equation back in our lives.

[00:06:22] Vance Lowe: Our country didn’t have fiat banking for the first hundred years, and we went from poverty, from a fledgling nation, to the most powerful nation on the planet without banks because we had another system. They squashed that system. They shut that system down. Now our country didn’t do that, but when banking was introduced, so the Federal Reserve took over and squashed all that information out, folks.

[00:06:47] Vance Lowe: We have a way of bringing that back, showing it to you. It’s not complicated. It’s easy. There’s a little discipline involved, so you need to be organized and know where things are going. But you can do this [00:07:00] easily yourselves. You can pass it on to your kids. The wealthy families that you know of today have always been practicing this strategy, paying very little in taxes, if any, because these t- this type of system doesn’t create new taxable events.

[00:07:16] Vance Lowe: It has a lot of advantages.

[00:07:18] Seth Hicks Esq.: And the Rockefeller family is one such family that built their empire on a financial infrastructure of getting the money back and utilizing the type of strategies that, that we teach folks to use so that they weren’t merely buying assets, they were actually keeping control of the money that came within their power.

[00:07:39] Seth Hicks Esq.: And we’ve talked about that in case studies before. If folks, if you want a deep dive, hit our website up, privatebankingstrategies.com. It’s privatebankingstrategies.com. And stop asking, “What investment should I buy next?” Or, “How should I increase my wealth?” And ask the question there, “What financial strategies [00:08:00] and structures will help me to take the banking equation back in my life?”

[00:08:05] Seth Hicks Esq.: And Vance, tell them about our AI tool and some of the other resources we’ve got.

[00:08:10] Vance Lowe: We’ve got an AI tool on our website that just, it boggles my mind. I’ve spent decades, literally four decades, compiling information from managing assets, wealth managing, financial planning, risk management, to now banking for more than a decade, two decades.

[00:08:33] Vance Lowe: And trying to get the information out of my brain into a format, and we’ve, these gurus out here know how to run computers, have a way where you can ask a question and you’re gonna get a detailed answer, maybe even deeper than you want, but it’ll be a specific answer to any question you wanna ask. So I challenge you to do that.

[00:08:52] Vance Lowe: That’s free for everybody. Just go on our website and do that. The other thing we want to explore, remember you’ve heard never spend [00:09:00] principal. One of the very first things we teach people is how to get 100% of their monthly expenses back. Ask yourself the question, if that happened in your life, would you be better off?

[00:09:10] Seth Hicks Esq.: Absolutely. Folks, take a journey with us at Private Banking Strategies and use the AI tool to ask Vance or I anything that you would ask us face-to-face or in person, and that’s at no cost to you. And also, we have a resource there called Secrets the Banks Don’t Want You to Know. It’s a book that Vance and I authored for your benefit, and we teach you secrets that we want you to know and implement, and they’re secrets that the banks don’t want you to know, ’cause they wanna keep making money off of you.

[00:09:40] Seth Hicks Esq.: And that’s a free resource, folks. Just put your name and email in, and you’ll be given that book in audio version and a written version. If you’ve got any questions, use that AI tool and let us know. Give us some feedback. Em- email us at info@privatebankingstrategies.com with any questions you might have that you don’t get [00:10:00] answered there.

[00:10:01] Seth Hicks Esq.: I don’t think there will be any, but if you’d like to take a deeper dive, that’s how you do it, folks.

[00:10:07] Vance Lowe: Yeah, please do. Please challenge yourselves. Learn something more about money. Please, take the challenge here. Go to the website. Look at our stuff. See what you think. So I really appreciate y- you being on here today.

[00:10:20] Seth Hicks Esq.: Yeah. Thanks for joining us today, folks, and we look forward to seeing you on the next one. Bye for now.

[00:10:25] Outro: Bye-bye. Did that story feel like it was about you? Do you feel you should be making more progress toward your financial goals? Do you feel stuck? Let us help you get unstuck. Are you ready to take action and get your own private bank?

[00:10:42] Outro: Please visit us at www.privatebankingstrategies.com.

[00:10:50] Outro: Thank you for listening to the Private Banking Strategies podcast. Click the subscribe button below to be notified when new episodes become [00:11:00] available.

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