“The sum is greater than its parts” not only describes the wonderful marriage of chocolate and peanut butter in a Reese's Cup but also applies to DIBS. The Dynamic Income Banking System incorporates two unconventional yet powerful financial strategies: the Infinite Banking Concept and the Income Snowball. This system not only can provide you and your family consistent passive income but also builds wealth, provides a legacy, and can make your dreams of an early retirement a reality. This book describes Mike Kwong’s own journey living what he thought was the American Dream. He soon realized that he was just another rat in the race, only in an ever bigger and fancier wheel. Further, he also noticed that the average American is too dependent upon banks and mountains of debt and interest. The little we can save often sits idly and is ever eroded by increasing inflation and taxation. However, with DIBS you can turn this situation around and become your own banker, activate and master your money, and finally have it work for you!