how to buy, borrow and die like a pro

The Secrets of "Buy, Borrow, and Die" Like the Ultra Wealthy

Today, I'm going to show you how to buy, borrow, and die like a pro. These are the secrets the ultra wealthy don't want you to know, and I'm going to reveal them over the next 10 to 15 minutes. So, strap in and let's get right to it.

How the Ultra Wealthy Play the Game

Billionaires have been doing this for hundreds of years. They create businesses, then deploy that money into appreciating assets like real estate, Bitcoin, land, and gold. After that, they borrow against these appreciating assets to fund their lifestyle or buy even more assets. Finally, they die in debt, never having to pay taxes. Why? Because when you take out a loan against an asset, there's no tax on that—it’s not income, it’s debt.

Let’s look at some examples. Say you buy Bitcoin and it appreciates. You can take out a loan against your Bitcoin and use that money for your lifestyle or to buy more Bitcoin. This way, you never have to sell your Bitcoin. Since Bitcoin has historically increased by around 50% a year, you can literally refinance the loan each year as the payment comes due. By refinancing based on the new, higher value, you get a “free” loan every year, barely touching your Bitcoin principal due to its appreciation. Loan interest rates on these can vary, typically from 3% to 12%, depending on the loan-to-value ratio.

Another example: Buy a home, then take out a home equity line of credit against it. Use that money to buy another home—maybe an investment property—or to fund your lifestyle. You can pay off the loan from the appreciation of your home. For instance, if you have a Miami Beach property appreciating at 10% a year, after three years you can refinance and pay off the line of credit.

How Anyone Can Start Playing the Game

So, how can you start playing this game today? We all have to start somewhere. You’re not going to jump right into loans against Bitcoin or luxury real estate. Let me show you the exact steps I took, and how you can start too.

Beginner Mode

Start by getting added to a family member’s credit card as an authorized user. For example, maybe you’re 18 and your dad adds you to his credit card that’s been open for 10 years, with a high limit and perfect payment history. You inherit and piggyback on his excellent credit history.

Now, when you apply for your own primary credit card at 18, you go to Chase and get approved for the Freedom Unlimited card. They might give you a $5,000 limit on your first card, thanks to your dad’s great credit. This is a major hack.

The Freedom Unlimited card gives you 0% interest for 15 months. You could spend that $5,000 limit on an investment—maybe a course, a skill set, or a mentorship. You have 15 months to make it work and pay back the bank. For instance, you might buy a digital marketing course like Iman Gadzhi’s Agency Navigator for $5,000. You get mentored, finish the program, and start your own digital marketing agency. Over the next 15 months, you could generate $30,000 in profit as an 18-year-old. You pay back the $5,000 before the 0% intro rate ends, and now you have a real skill set and a business—all from the bank’s money. Now you’re ready to apply for larger credit lines.

Intermediate Mode

Let’s move to intermediate mode. After building your personal credit for about nine months, you’re almost 19 and have $20,000 in primary personal credit limits between your Chase Freedom Unlimited, United Explorer, and Chase Sapphire Reserve cards. Thanks to being an authorized user on your dad’s card, you also have a solid average credit age.

Now, you apply for your first business credit sequence. When I did this at 23, I got two American Express cards (Business Cash and Business Plus) and two Chase cards (Ink Unlimited and Ink Cash), giving me $50,000 in 0% business funding.

I used these cards to scale my Airbnb arbitrage business. With my digital marketing agency as active income, I leveraged the bank’s money to generate passive income with Airbnb. For $50,000, I acquired three two-bedroom units in Austin, Texas. You don’t need to own the property—just rent and list them on Airbnb. These three units could earn over $100,000 in revenue in the next year. After paying back the banks, I profited $50,000.

Then, I bought Bitcoin during the bear market with that profit. If timed right, you could deploy your profits from Airbnb into another appreciating asset class, like Bitcoin. Remember, always use the bank’s money to take risks and invest. Save your profits for long-term investments—equities, bonds, gold, or Bitcoin.

Aura Farming Mode (Advanced)

Now for what I call aura farming mode. This is a real-life example from 2021 when I got serious with business credit. After five years of building personal credit, I had eight cards with $75,000 in combined limits and ten years of average credit age, thanks to being an authorized user. With seasoned bank and business accounts at all the top banks, I did a max funding round with my flagship custom credit sequence and got approved for $200,000 at 0% for 12 months from tier-one banks and credit unions.

During a season of quantitative easing (when the Fed is printing money), I bought a Patek Philippe 5711A for $120,000—right on the business card. It’s a dream watch and a pristine investment. Asset prices were booming across the board.

After a few months, my Patek Philippe appreciated by $45,000. Meanwhile, I invested the remaining $80,000 in a Bitcoin mining package, buying four miners for four years using business credit. That investment also got me an $80,000 tax write-off through IRS Section 179 bonus depreciation.

Within three months, I sold the watch and pocketed a $45,000 profit. I then put that profit into Bitcoin as prices were dropping. The mining package paid off in about two years. I sold the mined Bitcoin, paid back the banks, and had another two years of Bitcoin mining—free and clear of debt. The banks essentially bought this investment for me, and I kept the Bitcoin I mined.

Then, I could open another LLC, wipe my credit inquiries (which I teach in my credit class), and do another advanced business credit stack. This is the real process I used in 2021. I even took a loan against my Bitcoin at 3% interest through Celsius to buy the watch, and when I sold it three months later, I profited $45,000 and reinvested in Bitcoin.

Every year, I buy mining packages to offset my tax liability. I get a massive write-off and acquire miners with the bank’s money, mine Bitcoin for two years, and pay the banks back.

Building Wealth with Leverage

Are you ready to do this for yourself? As your asset stockpile grows, your leverage increases. Over the years, banks will offer you better loans at competitive rates. You’ll be able to buy assets your whole life, then borrow against them, and die in debt. This is how you eliminate taxes altogether. Many of these assets are also tax-advantaged due to depreciation.

This is the game of the ultra wealthy, and now you’ve been exposed to it.

If you’re ready to start playing this game with me and my thousand students in credit class, and want to leverage credit to build income and achieve financial freedom, click the link in the description below and apply. If you enjoyed this video, share it with a friend or family member who needs to hear this. Building wealth is everything, and this is the secret. This is my full exposé on how I’ve been doing it for the past six years—traveling the world in luxury, taking care of my family, retiring my mom, buying real estate and Bitcoin, and starting businesses—all through credit.

So, learn the game now. Smash the like button, subscribe, and comment below what you want to see next. I’ll see you in the next video.

“When you take out a loan against an asset, there’s no tax on that—it’s not income, it’s debt.”

“You can literally refinance the loan every year as the payment comes due, getting a free loan every single year.”

“Always use the bank’s money to take risks and invest. Save your profits for long-term investments.”

“As your asset stockpile grows, your leverage increases; banks will offer you better loans at competitive rates.”

“This is the game of the ultra wealthy, and now you’ve been exposed to it.”

“All of this—real estate, Bitcoin, businesses—I’ve built through leveraging credit, and you can too.”