They BORROW against them. When you sell assets, you pay big capital gains tax – up to 23.8% federal + state tax right now in 2025.
When you borrow against those same assets, you pay ZERO tax on the money you get.Example:
You bought Tesla stock years ago for $50,000.
Today it’s worth $500,000.
If you sell, you owe about $107,000 in tax. You keep only $393,000. Instead, you go to a bank or brokerage and borrow $300,000 against the shares.
You get the full $300,000 cash.
You pay $0 tax.
You keep the stocks and they keep growing.The loan interest is super low (5–8% in 2025) and you can even pay the interest with more borrowing if you want. When you die, your family gets the assets with a “stepped-up basis.”
That means the tax on all those gains disappears forever.
Your kids sell (if they even need to) and pay almost nothing.This is 100% legal.
Warren Buffett, Elon Musk, Jeff Bezos – they all do this.
Now you can too.Start building assets today, then borrow instead of sell.
This is the real way to build and keep generational wealth in 2025.Buy, Borrow, Die – The Simple 3-Step Plan That Saves You Millions in TaxStep 1: BUY good assets
- Real estate
- Stocks / ETFs
- Business
- Crypto (yes, even crypto works now with proper lenders)
Step 2: BORROW against them when you need cash
- Securities-backed line of credit (5–7% interest in 2025)
- HELOC on rental properties
- Margin loans
- Whole life insurance policy loans (often 4–6%)
You get cash tax-free.
The assets keep growing.
You live off the loans.Step 3: DIE (sorry, but everyone does)
Your heirs get everything at today’s market value.
All the gains you never paid tax on? Gone. Wiped out legally.This strategy literally saved the ultra-rich hundreds of millions.
It works exactly the same for a $500K portfolio or a $50 million one.2025–2026 is the perfect time to start because tax rates might go up soon.
Lock in this advantage while it still exists.Borrow Against Your House in 2025 – Get Cash Tax-Free (Better Than Selling)Your house went up $200,000 in value? Congratulations!
Most people think: “Great, but if I sell I lose $40,000–$50,000 in tax.”Smart people think: “Great, time for a cash-out refinance or HELOC!”Right now in November 2025:
- 30-year fixed rates ~6.3–6.7%
- HELOC rates ~8–9%
- You can borrow up to 80–90% of your home value
You pull out $150,000 cash → pay ZERO tax.
You can use the money for:
- Buying more property
- Stocks
- Starting a business
- Paying off high-interest debt
- Living your best life
The interest might even be tax-deductible if you use it to buy or improve investment properties.You keep the house.
The house keeps going up in value.
You got tax-free money.
Win-win-win.This is literally free money from the government – they let you use your own equity without taxing it.Whole Life Insurance = Your Own Tax-Free Bank (Infinite Banking 2025)Rich people don’t use regular banks.
They use specially designed whole life insurance policies.You pay premiums → cash value grows at 4–5% guaranteed + dividends.
After a few years, you can borrow against the cash value at 4–6%.
The loan is TAX-FREE.
The policy keeps growing as if you never borrowed.Example:
Put in $100,000 per year for 7 years.
Year 8 onward, you can borrow $80,000–$120,000+ every year TAX-FREE for life.
When you die, the death benefit pays off the loans and your family gets the rest.This is better than a 401(k) or IRA because:
- No tax on growth
- No tax on withdrawals (loans)
- No required distributions
- Creditor-protected in most states
Works even if market crashes
Top companies in 2025: MassMutual, Guardian, New York Life, Northwestern Mutual – all paying 5–6.5% dividends right now.This is the real “infinite banking” everyone is talking about.
Start one today and become your own bank.2025 is the Last Great Year for These Tax Tricks – Act Before Rules ChangeEveryone is talking about possible tax increases coming in 2026 or later.
Capital gains rates could go higher.
Step-up in basis could be limited.
Billionaire tax proposals keep coming up.That means RIGHT NOW in 2025 is the perfect time to:
- Buy more assets while prices are reasonable
- Set up borrowing lines (SBLOC, HELOC, insurance policies)
- Lock in today’s low interest rates
- Position your family to pay zero tax on decades of growth
The rich are rushing to do this exact strategy before any changes.Don’t wait and pay 30–40% tax later when you can pay 0% forever by borrowing.Start today.
Talk to a good financial advisor who actually understands these strategies (most don’t).
Or message me – happy to point you to the right people who do this every day.Borrow, don’t sell.
Live tax-free.
Die rich.
Your family will thank you forever.