The Simple "Borrow til you Die' Tax Strategy

[@AnnaOllsson]

The financial system has been artificially pumped for over a decade to ensure big pockets were lined; and now those same hands will make a fortune in the largest transfer of wealth in human history by shorting it on the way down. Inflation does have a roll, but that's to keep everyone panicked, and focused on their bills and expenses, rather than focus on the capital crimes of politicians and corporations,I'm still at a crossroads deciding if to liquidate my $338k stock portfolio, what’s the best way to take advantage of this bear market??

[@HildaBennet]

Find stocks with yields that exceed the market and stocks that, at the very least, follow the long-term market trend. However, you should get guidance from a financial advisor if you want to create a successful long-term plan

[@FinnBraylon]

This is why the US should elect more progressive politicians, who know how to manage budgets and give us (yes, pur country's initials literally spell out that pronoun) much better tax credits in return for better public education and better public healthcare. but since these are nonexistent, my husband and I are being guided to finance our retirement and healthcare through a diversified investment portfolio

[@bartlyAD]

Hello, how did you handle it? I believe I require a pro after reading these comments

[@FinnBraylon]

"DIANA CASTEEL LYNCH" is the manager I use. Just research the name. You'd find necessary details to set up an appointment.

[@bartlyAD]

It's good you make your own research. and make sure whoever you work with is licensed n verifiable with a repute, this Sonya looks the part but i'd do my due diligence. I set up a call, thanks.

[@kortyEdna825]

Honestly, this situation makes me feel uneasy, particularly with the Fed's decision to cut interest rates by 50 bps. It indicates deeper economic concerns, and I'm uncertain about my $130K investment strategy, especially with the possibility of not just a recession but potentially a depression.

[@foden700]

Just get a financial planner straight up! personally, I would invest in etf and also love investing in individual stocks. yes it’s riskier but I'm comfortable in my financial environment.

[@Justinmeyer1000]

I agree. Exactly why I now work with one. A lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m

[@PatrickFitzgerald-cx6io]

How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings

[@Justinmeyer1000]

‘’Aileen Gertrude Tippy’’ is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@PatrickFitzgerald-cx6io]

Thank you for the lead. I searched Aileen up and her webpage popped up, and I have sent her an email. I hope she gets back to me soon. Cheers!

[@GraceOliviaf7y]

Tax laws can be so complex, and it’s super helpful to break them down like this. Understanding how different policies can impact our finances is crucial for making informed decisions.

[@NikolasMartine01]

Making profitable investments during this time of political change can be risky without that insight. For me, working with an adviser is the best first step to navigate these complexities and make informed choices.

[@TeddyAlexanderv6]

I think having an investment advisor is the way to go. I've been with one because I lack the expertise for the market. I made over $490K during the recent dip, highlighting that there's more to the market than we average folks know.

[@MatthewAidan4ns]

Hmmm this is quite interesting, Please can you leave the info of your investment advisor here? I’m in dire need for one.

[@TeddyAlexanderv6]

Nicole Anastasia Plumlee can't divulge much. Most likely, the internet should have her basic info, you can research if you like.

[@MatthewAidan4ns]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get.

[@leondonald]

These frequent tax code changes are disrupting my long-term investment strategies. Are there ways to structure my investments to be more resilient to potential tax code modifications?

[@SladeCirrincione]

I honestly think America needs a completely restructure of their political system. It is just not working. Trump and Biden being elected out of 300 million people to run the country is evidence for that too.

[@Martina-Alan]

This is why the US should elect more progressive politicians, who know how to manage budgets and give us (yes, pur country's initials literally spell out that pronoun) much better tax credits in return for better public education and better public healthcare. but since these are nonexistent, my husband and I are being guided to finance our retirement and healthcare through a diversified investment portfolioportfolio

[@Pamela.George]

I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@Martina-Alan]

Vivian Jean Wilhelm a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@Pamela.George]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@ChristophersHoyts]

Bullish or bearish, AI stocks will still dominate 2024, even beyond. Why I prefer NVIDIA is that they are better placed to maintain long-term growth potential, and provide a platform for other AI companies. I know someone who has made more than 200% from NVIDIA. I'll also take these other recommendations you made.

[@JuneTalley]

I agree, just because the market presents opportunities doesn't mean we should rush in headfirst. For this reason, we should look for appropriate market analysis or guidance or seek advice from certified market strategists.

[@LucaMurgia-j7b]

@@JuneTalley No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit a 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024.

[@ChristophersHoyts]

@@LucaMurgia-j7b Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.

[@LucaMurgia-j7b]

@@ChristophersHoyts MARGARET MOLLI ALVEY is who I work with and she is a hot topic even among financial elitists. Just browse, you’ll find her, thank me later.

[@ChristophersHoyts]

@@LucaMurgia-j7b I appreciate this. After curiously searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get.

[@OliverTilney]

How long will it take to turn $500 K into $1 million ?,thinking of going into stock !

[@AnthonysMcGees]

The time it takes to turn $500,000 into $1 million depends on your investment strategy and the rate of return. . If you put it in a high-yield savings account with an interest rate of 4%, you'd earn $100,000 per month with a good financier planner. However, if you invest it in the stock market, which has historically returned about 7% annually on average, you could potentially make around $250,000 per month still depending on your market and risk taking strategy. So you need a good investment planner to earn well for a short period of time.

[@EdwardsBains]

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...

[@AnthonysMcGees]

Taking break may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. A licensed CFA whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help...

[@OliverTilney]

Oh please I’d love that. Thanks!

[@AnthonysMcGees]

*MONICA AYAKO VOS*

[@KarlMiller]

Don't forget the attorneys, property managers, creating & maintaining corporate entities, diligence to make sure all yearly sales tax and meeting notes are filed, banking, accounting, taking tenant phone calls, fixing problems, carrying insurance, ... Not for the lazy.

[@redeye1773]

.sure let your family pay for your disaster nightmare fools acting rich is over

[@HighbornCPA]

All that and also what do you do if it's a down market? Borrow till you die doesn't always work. There is significant risk. Also if you live in a tenant friendly state like CA or NY, you are really screwed if the tenants decide to just live there for free for a couple of years. Then you loose rent for a 1-2 years, destroyed property, legal fees. Make sure if you get into real estate renting you don't get stressed lol.

[@ViceCoin]

Beats working at Walmart, living paycheck-to-paycheck, with health problems, and no insurance.

[@KarlMiller]

​@@ViceCoinif you are capable of executing this video's suggestions, then you are NOT choosing between working at Walmart and investing in real estate. It's a non-sensical comparison, and for those capable of generating extra income, choosing where you spend time makes a difference in your quality of life.

[@borchelsijles8064]

All of that ok. But deducting 100% of Air Stream? That's fishy.

[@markbrzezinski8889]

This is exactly what "experts" were saying just before the GFC. The problem is when the asset goes down and the so-called "return" disappears and the call comes from the bank. The properties are sold and you still owe the difference and you end up on the street, literally. I watched this happen to multiple people. Go for it. Pay this guy a fee!!!

[@marywilbourne200]

Yup! It's just another marketing video🤑👹

[@ketzbook]

exactly

[@TheOne-3]

'If' the asset goes down.

[@williamwolong1681]

Yes, the concept of smart borrowing, tho if I have money to pay back the note when the bank calls, then you can borrow otherwise don't.

[@MickAlister]

FYI as a Financial Planner I thought I would correct this - Capital Gains are not capped at 15-10%. There is the Net Investment Tax. The net investment income tax (NIIT) is a 3.8% tax that kicks in if you have investment income and your income exceeds $200,000 for single filers, $250,000 for those married filing jointly or $125,000 for those married filing separately.

[@OmegaMan17]

As an ex IRS tax compliance officer, I would advise, proceeding with extreme caution

[@robertwebb2865]

Any advice on what steps to take? Hire a good tax advisor?

[@popeantichrist8847]

I know a few people who pay the IRS zero taxes as the IRS laws themselves say it can only collect taxes from citizens who are living abroad.

[@GuntherSnaps]

For 10 years they ran that full page ad in the New York Times if anyone could show the tax law they would give them 100k dollars and even IRS agents can't find the law. It's all in the documentary "America: Freedom to Facism" - I think Aaron Russo passed away but why didn't you collect the 100k dollars when it was being offered to you?

[@popeantichrist8847]

Answer the man you, show us where the tax law is.!

[@mrwayne5158]

What he's explaining is legal, and the wealthy use this strategy ten fold to avoid taxes and maximize their earnings.

[@maiadazz]

I am impressed with your update with these strategies, I am looking for tax efficient way to rebalance my $800k portfolio without triggering capital gain tax. what asset location strategies should i use?

[@StephenLogan-g2v]

The best strategy depends on your financial situation, account types, tax bracket, and investment goals. Consult a financial advisor or tax professional to tailor these strategies for maximum tax efficiency.

[@morgansofia]

My advisor helped me rebalance my huge portfolio without triggering capital gains taxes by using tax-advantaged accounts and reallocating dividends and new contributions. They also recommended tax-loss harvesting and strategies to stay within my tax bracket. Q2 taxable divs this year was $17,388 thanks to her guidance. I maintained my desired asset allocation while minimising taxes.

[@SusanAlice-o6k]

Real estate prices exploded, interest rates exploded, but my wage the same, i'm screwed !! who is the advisor guiding you please? I could really use some help right now

[@morgansofia]

“Melissa Terri Swayne” is the coach that guides me, She has years of financial market experience, you can use something else but for me her strategy works hence my result. She provides entry and exit point for the securities I focus on.

[@BrianJason-d3s]

I just looked up this person out of curiosity, and surprisingly she seems really proficient. I thought this was just some overrated BS, I appreciate this.

[@AlecMuller]

Debt is LEVERAGE, and getting caught on the wrong side of a market downturn can easily wipe you out. The quirk of leveraged traditional home mortgages is that borrowers don't get wiped out by 'margin calls' the moment they're under water.

[@firebirdlover4460]

A lot of people had this very thing happen during the 2008 housing crash using this very strategy he's pushing.

[@smithjohn3080]

I was one of those people

[@FreuleinBey]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@FlorentGulliver]

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.

[@FreuleinBey]

@@FlorentGulliver Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* ..

[@FlorentGulliver]

@@FreuleinBey Oh please I’d love that. Thanks!

[@FreuleinBey]

@@FlorentGulliver *MARGARET MOLLI ALVEY*

[@FreuleinBey]

Lookup with her name on the webpage

[@SamsonKempston]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family..

[@TylerMohn-g9l]

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.

[@SamsonKempston]

@@TylerMohn-g9l Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* , a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.

[@TylerMohn-g9l]

@@SamsonKempston Oh please I’d love that. Thanks!

[@SamsonKempston]

@@TylerMohn-g9l *MARGARET MOLLI ALVEY*

[@SamsonKempston]

Lookup with her name on the webpage.

[@ketzbook]

This ignores three things, 1) the risk involved in real estate (yes, prices can go down just like stock prices), 2) the incredible amount of time it requires, 3) the skill that it requires. I prefer a mix of stocks, long term managed real estate, and gold. Minimize your time spent and minimize your risk.

[@KaiAndrew]

Absolutely, those options can work as well, but the returns are typically lower. It really depends on factors like age, risk tolerance, and financial goals. I understand that long-term real estate typically grows between 5-10% per year, and stocks are in a similar range. I don’t have extensive experience with precious metals, so I can’t speak to that. However, the properties I specialize in target returns of 100-1000%. While there is time and money required upfront, the workload significantly decreases once the investment is stabilized and running.

[@ketzbook]

@@KaiAndrew Thanks for the reply. What I mean is that anyone can invest in stocks and buy physical gold (always a small but important part of my portfolio), and most people could do long term RE without too much effort as long as there are good managers in the location, but what you do is profitable, risky, and not easy. If it were easy, more people would do it.

[@Exorcistt94]

Physical gold is not the wisest option. We sell it because people don't understand markets and have an nostalgia and feeling of safety, when each time you buy an gold coin you pay premium 3-6% each time you buy it from mill or anyone else. But won't get back this few precents, because when you sell, you sell on gold market price.

[@ketzbook]

@@Exorcistt94 It has nothing to do with nostalgia. Physical gold has more stable value than any fiat currency. It doesn't earn money, so it should be a small part of any portfolio, but it is a safe part. Buy bars, not coins. The buy/sell spread is more like 2%, and the price has gone up about 65% from my avg purchase price, so...

[@sparksmcgee6641]

​@@KaiAndrew You are in fact lying about your numbers. Stating stock returns are in the 5-10% range. Then claiming your real estate is making a 1000% by only counting the amount invested not the value if the entire value of the asset used. You're whole lie about not paying and borrowing until you die is laughable. I know way more UHNW individuals than you and none of them "borrow till they die" I'm a contractor, investor, spec builder and landlord. I javelin access to billions, yes billions, in capital. Don't you think people like me would be doing what he claims will make you rich? More importantly is if it was real the people that offer to lend me billions would be using their billions to do what he claims will make you rich if it were real. Now he'll claim its a special small market that's to small for billionaires to spend time on. My response: Billionaires train there children in how to manage and invest money at a young age. If what this guy was selling was real rich people would use it to train their kids. This is all B.S. when you hear anything that promises you more than 10% a year over long term timee horizons ask yourself why pwople with billions aren't funding the salesperson. If these numbers were real you wouldn't be selling it to people on youtube. You'd walk into a room with a trillion dollars of investable funds and people would fight to invest with you.

[@dq7143]

What caught my eye was the video title ""Borrow til you Die". For some reason, I thought about what's happening with America and our national debt.

[@TekkAmaku]

Obviously not what you had in mind

[@hradynarski]

You are over thinking it.

[@joedall4161]

Problem is that the US government is borrowing not so much to invest but instead to spend beyond its means. Recipe for disaster.

[@timothystewart6672]

Hey man i thought the same thing. Screw those other guys. Lol

[@amazaf]

Haha, I thought same thing.

[@Pixeltwo-d2f]

Nobody seems to mention that they need to pay interest on the loan which effectively negates all Tax savings and instead of paying the Tax man, you pay the same or more to the bank.

[@johnanon658]

Id like to see this objection addressed

[@kgoodmanpt]

If interest doesn’t exceed the tax savings combined with the asset appreciation, then this works out better off. In most cases, asset appreciation + tax savings + the reality most interest payments are absorbed by another entity (like a company), this works quite well.

[@MichaelOrtega]

@@johnanon658he literally talked about it at 2:47 interest… you didn’t watch the video?

[@hackthehoneydolist]

He literally talks about this in the first few minutes of the video

[@sparksmcgee6641]

Yep. Pay more in interest than just paying the tax. Current investment loans are 7 or 8 % so you pay more borrowing than just paying the tax in less than 2 years.

[@AGNESCHANG-u9h]

I am impressed with your update with these strategies, I am looking for tax efficient way to rebalance my $800k portfolio without triggering capital gain tax. what asset location strategies should i use?

[@PauleAraiza]

The best strategy depends on your financial situation, account types, tax bracket, and investment goals. Consult a financial advisor or tax professional to tailor these strategies for maximum tax efficiency.

[@SabineCedor]

Great video. Using the money, you get to make more money. Like I am doing with my multifamily apartments.

[@j.l.salayao8055]

I'm impressed a SSSSSSSSSSCCCCCCCCCCCAMBUG SSSCCCCCCCCCCAAAAAAAAAAAAMMMMMMMMMMMMMEEEEEEEEEEEEEEEEEEERRRRRRRRRRRRRRRRRRRRRRRRR LIKE YOU IS IMPRESSED.

[@AddilynTuffin]

Keep it simple, buy things you understand, take some risk but don't try to shoot the lights out. I currently have 75% SCHD and 25% ROTH IRA. Brokerage account is 40% VOO, 35% SCHD, 25% XLK. Combine balance ~$3.3m Less than 3 years until retirement.... I have about 400k in cash. My portfolio has yielded far more than I expected for my retirement. Kudos to my advisor.

[@Dollrnri]

Real estate prices exploded, interest rates exploded, but my wage the same, i'm screwed !! who is the advisor guiding you please? I could really use some help right now

[@gingerkilkus]

These frequent tax code changes are disrupting my long-term investment strategies. Are there ways to structure my investments to be more resilient to potential tax code modifications?

[@JohnsonAshley-sy3lx]

I honestly think America needs a completely restructure of their political system. It is just not working. Trump and Biden being elected out of 300 million people to run the country is evidence for that too.

[@williamDonaldson432]

This is why the US should elect more progressive politicians, who know how to manage budgets and give us (yes, our country's initials literally spell out that pronoun) much better tax credits in return for better public education and better public healthcare. but since these are nonexistent, my husband and I are being guided to finance our retirement and healthcare through a diversified investment portfolio

[@foreverlaura-fq4eu]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@williamDonaldson432]

Annette Marie Holt is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@Franklin-gq4si]

I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look her up and send her a message. You've truly motivated me. Thanks.

[@theloudprofessional]

Sales pitch at 5:00

[@painofanunamedsoul]

Walked into a room of rich folk sharing tips on how to avoid paying taxes... Oops... Ill just back up slowly.

[@sarawilliam696]

I’m in Ohio and the housing market here over the last 7-8 years is unlike anything I’ve ever seen. Homes that were bought for $130K in 2015 are now being sold for $590k. I’m talking about tiny, disgusting, poorly built 950 square foot shit boxes in quiet mediocre neighbourhoods. Then you’ve got Better, average sized homes in nicer neighbourhoods that were $300K+ 10 years ago selling for $750k+ now. Wild times.

[@PatrickFitzgerald-cx6io]

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

[@carssimplified2195]

Personally, I can connect to that. When I began working with a fiduciary financial counsellor, my advantages were certain. I got into the market early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2021 this time with guidance, Long story short, its been 2years now and I’ve gained over a million dollars following guidance from my investment adviser.

[@KaurKhangura]

This is huge! think you can point me towards the direction of your advisor? been looking at advisory management myself.. seeking ways to invest and make more money with the uncertainty in the economy.

[@carssimplified2195]

‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@KaurKhangura]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@quellcristfalconer9457]

Saying that you use debt to buy businesses, while in the same breath saying buying stocks is akin to gambling and should not be considered an asset, is kind of a wild position to take. Buying purchasing shares of a company is tantamount to buying a business in a lot of respects. To be clear, ALL investments are gambles to a certain extent. But look at it this way, though there is a chance that someone using your methods could certainly yield high returns if everything is executed flawlessly and you throw a pinch of luck in there, but it's unwise to say that by doing so you're taking less risk than investing in a PG, JNJ, MSFT, or some other flawlessly ran company. I'd argue that they're better at running a business than majority of your audience, and have been doing so for far longer.

[@KaiAndrew]

“For whatever reasons, markets now exhibit far more casino-like behavior than they did when I was young” - Warren Buffett, annual letter You must have forgotten 2000, 2008 and 2020. With your confidence in these ‘flawless’ companies you should be pulling out some personal loans and buying more stocks. Without understanding how to read financial statements, quarterly or annual reports, I’m sorry, you’re straight gambling. Comparing that to me (and others) learning and becoming a real estate builder, developer, investor and business operator over the course of two decades are not the same thing. If you’re investing in individual stocks and you’re not actually studying the companies and diversifying outside of stocks, you’ve been lucky for a relatively short amount of time - Godspeed.

[@tharrrrrrr]

flawlessly _run_

[@BridgetMiller-]

Because so many people overpaid for homes even while loan rates were low, I believe there will be a housing catastrophe because these people are in debt. If housing costs continue to drop and, for whatever reason, they can no longer afford the property and it goes into foreclosure, they have no equity since, even if they try to sell, they will not make any money. I believe that many individuals will experience this, especially given the impending mass layoffs and rapidly rising living expenses.

[@FrancisWilliam-mv8tv]

I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!

[@Helen_white1]

You're correct! With the help of an investment coach, I was able to diversify my 450K portfolio across markets and produce slightly more than $830K in net profit from high dividend yield equities, ETFs, and bonds.

[@Agatha.wayne0]

Would you mind providing details on the advisor who helped you? saving for a pension through a corporate program since the age of 18. I hit greater tax along the road, so I increased my company pension with a SIPP (tax benefits). I'm now 50 and would love to expand my finances more aggressively; there are a few automobiles I still want to drive and a few mega-vacations that I still want to take.

[@Helen_white1]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Jessica Lee Horst for the last five years or so, and her returns have been pretty much amazing.

[@DhanaPayar]

I located her, sent her an email, and scheduled a call; hopefully, she will reply because I want to start the new year off financially strong.

[@SimonCU]

Sorry I believe the deduction is different. If you bought a home for 100,000 your yearly deduction should be calculated as 100,000/29.5 years = $3,389.83/yr ... So every year you are suppose to deduct $3,389.83 from your income.

[@BiOmniPolar]

What if you are using accelerated depreciation and spreading a portion of that over 5-7 years instead of 29.5?

[@SimonCU]

@BiOmniPolar sorry my mistake it's suppose to be 27.5 years.. I don't think IRS will allow you to divide it by 5-7 years.

[@aimeefarrington2143]

I don't understand how you were able to deduct the entire price of the airstream. I love this idea, just hoping for clarity. Thanks!

[@lookslikeme999]

We pay 20% interest on debt. Then you pay it off with income that's taxed at up to 45%.

[@the_awaker_DJ]

I am novice here. Are you talking about income tax returns?

[@Bricksallday113]

I would say you pay a corporate tax (less then 45) on your income as a sole proprietor. But ya I get your point. There has to be a healthy profit margin there to battle all these obstacles. 300 percent return investments too, where do you find these? lol made it sound so simple.

[@davidhughes4785]

If an investor of leveraged short term rental property does not have enough money in case tenants trash the rental. Then the investor might not have enough cash flow to repair walls, doors, repaint, replace plumbing fixtures after a big party. The down time during repairs, can put the investor in a serious cash flow bind. To avoid foreclosure, the investor might sell damaged short term rental property for less than original purchase price. I don’t know…. Would the investor still owe the difference? Or can he declare bankruptcy? Again I don’t know. Anyone who is successful as a property investor is highly skilled and blessed with good luck. To avoid these possible problems, an investor should have considerable cash or liquid savings to smooth out possible future snags. Cash flow can be tricky Good luck

[@drd4059]

This guy makes used car salesmen look respectable.

[@jerrylance4932]

Bingo!

[@KaiAndrew]

In what way? Sharing a legit tax strategy used by millions or was it me plugging a legit accounting service on my channel...😘

[@dq7143]

@@KaiAndrew This strategy is new to people. The majority only get tax money from the government by overpaying their estimated tax on their paycheck.

[@DrKnowsMore]

😆

[@bob1234881]

I agree. Trouble is my brother in law has lots in saving but can't see to invest.

[@mantralife6620]

Flip side is RE market values and rent tanks and down you go.

[@garbizwal]

Do everyone a favor and plot those markets values over the last 70 years.

[@chesshooligan1282]

Yeah, the bubble popped in 2008, but the government stepped in, bailed everybody out, and said, "Don't worry, guys, we'll just stick it on the debt." At that point, the US wasn't $35 trillion in debt. The next time the bubble pops, there's a good chance you won't be able to stick it on the debt. There's a good chance the government will try to kick the can down the road one more time and the can won't budge. Do yourself a favour and plot a graph of median price houses versus median household income. If you want to get into the real estate business right now, go ahead, but you'll be picking pennies in front of a steamroller.

[@american5564]

Rent never goes down. Ever

[@firebirdlover4460]

@@american5564 yes it does. And you could end up with no one choosing to rent from you .

[@american5564]

@@firebirdlover4460 😂🤣👍🏻

[@DANVIIL]

Doing this during a rising real estate cycle could work, but we are currently moving into a real estate crash in many markets, TX, FL etc. and you could get caught in a squeeze and lose your investment and have to eat the interest expense. There are no sure things in life, especially when our currency is losing purchasing power at over 30% per year, like right now.

[@KaiAndrew]

It works across cycles if you play the long game. The key is having a long-term plan: as long as the property is a true asset (not a liability) and you can manage the loan servicing, you’ll ride through corrections. Think about the 2008 crash-if you bought at the peak in 2007 and held the property until today, would leveraging money then have been worth it? Absolutely.

[@kisms8590]

That's so brilliant. Can you share what the 3x asset is? 33% simple annual return is outperforming market. What are those assets?

[@Alternatezoid]

With a good investment plan that ensures steady income without any doubts I am prepared for a well organized retirement. I started investing in stocks 3 years ago and so far, I am making a good yield on my dividend.

[@Alternatezoid]

Herman Jonas, a licensed FA has undoubtedly helped me make so much progress. He has guided me to identify key stocks, pinpointed strategic entry points, and provided risk assessments, ensuring that my decisions align with market dynamics for optimal returns.

[@Archaengelh]

To me, investing is not worth it and I know that's the same mindset holding me back from taking a step forward in my finances. It’s all gambling.

[@Sammytiny]

I’ll be clocking 47 soon and I want to put my finances in order and make better investment decisions. How can I get through to him?

[@Alternatezoid]

Hermanw jonas that’s his gmail okay

[@Sammytiny]

Thanks for the lead. I was able to get in touch with him and we spoke at length. I'm getting started right away!

[@dannycarter4810]

So if I buy these overinflated rental properties do you pinky swear promise this tax benefit will make up for my lost equity?

[@mrjuannorris_]

Good for you buddy. Keep it up.

[@BC-yd6dl]

Your "preference" is real-estate. Dividend stocks are absolutely assets that can be considered a safe stream of cash. I borrow to buy dividend aristocrat stocks and it's allowed me to create an income stream that will soon be larger than my employment income. Where I live, you can also deduct investment loan interest. And no no no, investing in stocks is NOT "gambling".. unless you are speculating on garbage companies.

[@BarsonlineOrg2013]

I borowed with a consumer credit @ fixed 2,8% here in EU and invested it in businesses (stocks) that compound. I didn't use some bank margin trading or whatever. A simple consumer credit, where th bank pays you effectively during periods of high Inflation. Properties are scam

[@jordandautelle2146]

Does this work for student loans?

[@hadassahknight1149]

Lowering your taxable income WILL affect what you personally are qualified to borrow in round two. This goes unmentioned in the video and depending how effective you are, may come as a massive shock when you look to finance future property regardless of your credit score.

[@KaiAndrew]

Nah, not true. Lenders and banks are sorta smart - they understand when there's someone who owns multiple businesses, has several properties and a lot of cash, there's probably a good reason why he/she has a lower taxable income. That's why they'll add back in depreciation (it's a paper loss, not real) and they'll look at your business books. Never caused me issues before except when I only had a single W2 income and only 'hard' deductions.

[@hadassahknight1149]

@@KaiAndrew can happen and has. And could happen to others who get their otherwise “high” w-2 tax bracket whittled down to single digits for the first time. Kinda like finding out some of your investment property repairs and upgrades will end up on 25+ year depreciation schedule. It’s still the right move, just surprises the hell out of you the first time…

[@jeffsloan6946]

Not if one uses DSCR financing . . .

[@jordyhumby]

Wow you're doing it! Congrats!

[@RubeeRoja]

Okay question one: is it that easy to borrow gigantic sums of money??

[@uplink-on-yt]

Let's see if I understand this: you apply depreciation on an appreciating asset? But that would increase your capital gains when you sell, compared to if you hadn't depreciated, right? But the idea is that it's up to your heirs so deal with that?

[@Juhsga]

With all these deductions and having the home as a business, when you go to sell the property you'll have to deduct your sell price from your all the depreciation cost and if there is any left that's what you can pocket. This looks like a good opportunity for multifamily properties to run as a business but wouldn't it be better to gain the equity of the home and you can establish a trust for a alternative tax saving income?

[@Preherhermetclasiy]

The video is very interesting! Something I don't understand: I have USDT in my OKX wallet and I have the recovery phrase. 《pride》-《pole》-《obtain》-《together》-《second》-《when》-《future》-《mask》-《review》-《nature》-《potato》-《bulb》: How should I convert them into Bitcoin?

[@KevinSmith-qi5yn]

We are at a point when most of these taxes, tariffs, and fees aren't required to fund the government. With the advent of digital currency, having a 3~5% tax from each transaction will more than fund the US government. It would effectively tax the use of USD including offshore. This would eliminate the need for nearly all other federal taxes.

[@rayne8158]

In Singapore you cannot borrow till you die. There is a limit to how much you can borrow across all agencies. Govt will ensure no one run into huge debts

[@juancarloschavez7404]

I recently subbed to your channel and I hardly comment on YT, but these recent videos you posted are straight bangers with awesome value, clean edits w/ supplemental graphics, and actually provide use cases/numbers/tax codes for others to dig more into. Keep it up! I’m looking forward to catching up on your previous content & for the next video!

[@KaiAndrew]

Thank you, sir. That means a lot. :)

[@pauls064]

Except if you listen to him, you’ll be bankrupt and have bad credit.

[@juancarloschavez7404]

@@pauls064 everyone should do their own due diligence and consult with certified tax advisors before making huge financial decisions. But i generally think folks being more transparent about their finances, strategies and use cases is a net good. Do not take direct advice from the internet.

[@danielayalajr]

Great video, but who really wants to pour so much time and effort into something as two-dimensional as money? There are easier and more effective ways to earn without the headaches and endless commitment. Many people suffer from greed, always chasing more when, in reality, you don’t need much to live comfortably. The world is what you make of it-everyone lives in their own reality and creates their own suffering. That’s why greed is one of the seven deadly sins. Warren Buffett one of the most successful investors does not mind paying taxes because making money is so easy for him. Good for thought. Give to Cesar what is Caesar’s.

[@peebow1000]

We have a similar boon with property purchases in Australia. This all demonstrates how money is just a game. Play within the rules, and filter all the money out of the masses. This truely is a rich get richer n vice versa scenario

[@randysretired2020]

Off topic, but have you stayed in that earth sheltered home? I’m curious to know if it is as energy efficient as people claim.

[@joshuahoff1129]

My question is how did you come up with the initial down payment on the rental house

[@joedall4161]

Stock investing if done right and for the long term is not speculative and has proven to deliver superior investment returns. On average approximately 10% per year versus 5% on real estate. Plus there is often significant property taxes, maintenance and insurance costs to real estate, positive cash flows are not easy and certainly not guaranteed. There are also the tenant risks of defaults and lawsuits. The advantage to real estate is leverage, however this comes with its own risks especially when it comes time to refinance. Not to mention the work and constant headaches that come with the responsibility of owning real estate.

[@franko8572]

You’re 100% right! 10% is the S&P, basically. My goal is to have 40% of a Multifamily building’s down payment in stocks. Then take out half for the down payment, and leave the other half invested. I would then put the money I made from the real estate back in stocks. After 7 years, I should have my initial stock portfolio back and have the real estate. It would take even less time to get back to my initial stock Investment because I’m using the real estate money to grow it. Then I would cash out refinance as the property value went up. I would take that money out, and invest it too. Keep doing that over and over.

[@keletienne7947]

Agreed. So many niggling little details as a landlord. If you bet big you do get bigger returns (like this guy) but the downsides are also huge. And like you said, one bad renter can make your 200k remodel look like loose change.

[@100NPRE]

Can someone explain how does borrow at high interest rates can make a living? The last example, if he cannot make enough during the year to cover interests and other living expenses, how the 550k deductible can be used? In order to pay the interest and other expenses, I am guessing he has to make 200k at least. What if he can not make that much during the year? What will happen?

[@medicmike4906]

So how does this work with Kamala's unrealized gains tax plan?

[@angeldecero]

Wow.....simplicity at its highest! Thanks for breaking it down into simple terms. I will be calling you soon.

[@justgotdoozd8519]

I guess you are in fact borrowing to buy the assets, but the clear differentiator here is the cost segregation. You almost breeze over the interest expense which is the benefit of borrowing. At some point as rates creep up it gets at least challenging, at most damning.

[@KaiAndrew]

Sorta. I just locked in a 30 year fixed at 6.9%. My cash is in the bank is giving me 5.1%. Interest is tax deductible so it's almost a net zero to borrow (if you have the cash). Regardless of the cash situation, if you're actually investing I hope you're looking at investments that provide you a higher return than 6-7%, otherwise you're doing something wrong.

[@nstv23]

5.1 for now it will eventually get lower again though.

[@mrgoat5820]

​@@KaiAndrew That was the cost of a hard money loan, just a couple years ago

[@DanielWyatt-x2e]

Frequent changes in the tax code are making it challenging to maintain my long-term investment strategies. Are there ways to structure my portfolio to be more resilient to potential tax adjustments?

[@ChadiAli-q1p]

does this strategy also apply to making money from rental properties under your personal name

[@curtmorehouse1]

Why did you choose to show the highest possible w-2 tax rate (37%) but the lowest possible capital gains tax rate (15%) on your graphic when comparing the two types of taxes?

[@KaiAndrew]

To help illustrate the difference between the two....

[@orhbo0]

Because those are the people who need the tax strategies

[@FunkInvesting]

This is something I have been fighting. I hate how when we invest in things we don't get much out of it very quickly. Thankfully there is a new way to do it for those that know how!

[@southernyankee2300]

What if you buy a long term rental property and you personally mow the lawn or you work on landscaping, wouldn’t you then qualify as putting in 100+ hours?

[@kipokerfan]

So what happens to the debt when you die?

[@snytty]

The tax code is severely messed up, when an honest primary income is taxed more aggressively than passive income

[@OccultemTe]

This only works as long as bonus depreciation remains a thing which is done after 2026 after reducing to 20% and then 0 in 2027, correct?

[@martytro]

It’ll still work, you just won’t be able to deduct as much in the first year, you have to spread it out over its deductions time frame which ranges from 5-39 years depending on what it is as far as I know.

[@BoundMusic]

if i borrow 100k i don't pay tax on that borrowed money (that would be ridiculous) but I am paying the 100k i borrowed, the tax on the 100k and the interest to the bank. So what are you on about, saying "there's no tax on borrowed money" lol ?

[@LWRC]

But you never mentioned how you came up with the $300,000.00 to do this investment for all the tax savings ! ! ! Tax savings are but a small fraction of what you need to put up front to gain the real estate, service the debt and everything else associated with that investment not to metion the risk involved if anything goes south and you don't have the positive cashflow to service all the debt!

[@Canal-gi8di]

Up here in canada i think the rules are similar and different at the same time, they just skyrocket capital gain taxation

[@smsfsyd]

and where do you get your positively geared investment property? Due to interest rates and the property prices, all I am seeing is negatively geared.

[@1greenMitsi]

'Investing in the stock market is risky and stocks shouldn't be considered assets' When your currency is not pegged to anything of value - yes it should Take a look at the risk adjusted yoy returns for the last 20-30 years for just the S&P. The game has changed; especially since 2008. Your Government has a license to print money, that means all assets inflate

[@HarvickOne]

you just perfectly explained how low interest rate and quantitative easing sends inflation and wealth inequality sky high

[@KaiAndrew]

No, that’s not correct. Low interest rates and quantitative easing are designed to stimulate the economy and encourage spending and investment; they don’t cause inflation. Printing $7 trillion and distributing it freely is what drives inflation.

[@tharrrrrrr]

​@@KaiAndrew Please explain the difference between Quantitative Easing and "printing $7 trillion".

[@SuFFoKateNu]

Based on how I interpreted this, is reduce your Taxable income now and continue doing that through Depreciation, ect... then pay all the difference later by your loved ones after death? If so how are you taxed after death and are there ways to roll your portfolio into a trust or someother tax savings loop hole?

[@miguelviau3163]

How do you make the payment on the $1M loan when the money is invested in an index fund?

[@ddff5242]

Interesting how risk assessment is completely ommitted from the debt strategy.....

[@Kendalladkins]

Glaring hole in this philosophy… the debt repayment is not a tax deduction. So, in order to pay off $100,000 in debt, you have to have made $100,000 that you paid taxes on.

[@donhippy]

? Borrow until you die. I'm 70 and was always told to stay out of borrowing and pay cash for what you want. I just took SS. And debt free and always paid cash, "cash is king". Plus stay in poverty level and pay no taxes.

[@jz5005]

How to finance the growing interest & tax on the interest (if it’s a related entity).

[@Educationsupport]

Dollars are a liability, debt is an asset. We live in a debt based economy.

[@thomasbayer2832]

get educated before opening your mouth

[@BobbyYeck-u8k]

Debt is only an Asset for the Lender.

[@Erikkurilla01]

I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?

[@jessicasquire]

'Overall, buyers hold a lot of the cards right now, and sellers are having to give out more concessions to close a deal." All the best, buying on sale is actually one of the best ways to invest in stocks, and advisors are ideally suited for such task

[@dnguyen787]

In my experience, borrowing money against your home is the best strategy. You can use it and having tax write off as well. 🙂

[@seprarep]

And what money do you use to make all the payments on the loans??

[@Guitar4life99]

Investing is not gambling, by definition. Yes you said "as close to", but this is where those whom have been given less financial education completely remove it as an option. This is doing more harm than good, I grew up around drinkers and gamblers all my life, and they all say the same (albeit twisted) thing, that investing is gambling. There is still risk involved, but you OWN and asset. Big difference.

[@borderm3]

Where in the heck did you borrow 1M in 22 at 2.5% thats bonkers. What am I missing. Anyone that has 1M liquid knows they can get far more than 2.5% roi on almost anything, right?

[@Falarde]

How do you don't pay taxes over the money that you use to pay the money borrowing?

[@KaiAndrew]

Because you are taking 'paper losses' through bonus depreciation.

[@muckymandem2782]

Does this work in Canada

[@nayomeer4736]

Wow this is such valuable information. I had always wondered why the Brrr method is such a benefit and utilized so much. Now I understand Robert K. This makes sense. Love it. I never understood why debt is good. Thank you so much for this video.

[@nickrios5853]

What was the rental revenue on these assets, and in what zip code?

[@iyuzhu]

Key is “die”. If you don’t die, you still owe recapture taxes albeit at much lower cap gains. Didn’t know about the 100 rule though. Helpful

[@cibo23]

Someone needs to remind this guy short term rental opportunity is long gone

[@CarlosJimenez-jh5xz]

Quit hating

[@herblau1214]

Not gone but not as easy as people think either. Worth doing but lots of work to make it a unique enough property to be a good performer

[@moontreecollective6718]

@@CarlosJimenez-jh5xzhe’s not hating, he’s right, and many of Kai’s videos are just to sell his course and have very misleading info

[@The.Harsh.Truths]

Someone tell this guy that buying real estate is MORE risky than your average S&P500 stock. When you take a 20% down mortgage on a home, you’re leveraging 5-to-1. That means if your home depreciated, you can be underwater and OWE the bank a lot. That doesn’t happen with stocks.

[@The.Harsh.Truths]

@@rick03168 he’s just selling a dream to grow an audience on here. Typical KZbin grifter.

[@Mello675]

he doesn't care. These people don't do the bullshit they preach, that's why they spend all this time making videos and peddling for sponsorships

[@rdelrinc]

Well, I've joined several other real-estate communities and "gurus", I can tell you Kai is legit. I joined his community/training when it first opened and he is actually accessible and transparent about what he offers. Nothing is easy or cheap or risk free but his niche is where the STR industry is headed.

[@The.Harsh.Truths]

@@rdelrinc you don’t need a youtube mentor to do real estate deals dude. Just do some reading online and do it. Ideally have a trusted family friend you can shadow or bounce ideas off of to start. Real estate isn’t as glamorous as these KZbinrs make it out to be. It’s a lot of grinding for average gains. The above average gains come from taking big risks, and that can blow up in your face since risk goes both ways. There are no free lunches in finance. I work as a quant on Wall Street and know this first hand. Anyone who sells you some systematic approach to making big money is scamming you.

[@kingtrilloriginal6967]

Houses no longer depreciate There are too many people buying houses cash now😂

[@EL_Aura]

I wonder if there is a Canadian version of this!?

[@SamoanMustang]

Thank you for the video and great advice. 🤙🏽

[@grumpy3543]

So I don't understand this tax strategy that these ultra rich people are doing. I get that they're borrowing on their investments instead of spending their investments and saving tax money. But don't you eventually have to take money out of your investments and pay back the loan? Then you have to pay taxes. I don't get how this helps.

[@KaiAndrew]

I am definitely NOT ultra rich. These are just savvy middle to upper-middle class things. The ultra rich can do things I only dream about. I buy assets. For example, a home or a building. In the simplest terms that structure generates me income. I use that income to service the loan. The structure increases in value over time, income increases as well. I bought that asset with money I did not have to pay taxes on. Hopefully that clears it up a bit.

[@grumpy3543]

@@KaiAndrew But if you have income from rental property then it’s taxable. Isn’t it?

[@davidandrew8264]

Explain the difference between paying taxes and paying interest.

[@collin9085]

Especially when it is amortized with most of the payment going to interest at the first half of the loan period.

[@D2chukhna]

Because real estate isn’t speculation? Subprime mortgage crisis?

[@jimmyconway8025]

Very clever! Love that house!

[@SharleneTrexler]

Works great until the market crashes, as in 2006-2008. I started in 1997 buying houses and I used other peoples money to make money(debt) then everything went south in real estate....38 houses I had at the time. took 8 years to dig out of that hole. Debt makes you weak. Now I follow Dave Ramsey plan. The freedom of being debt free outweighs any taxes I have to pay....Just my 2 cents.

[@DimitriZen]

how where you able to write off the Airstream?

[@imunozdominguez]

Question: how is this strategy affecting your debt to equity ratio? Your purchasing power on another property?

[@KaiAndrew]

Not much. The properties (and business) generate income so essentially cancels out the debt or adds to my income. If you buy properties that just sit there, that another story.

[@imunozdominguez]

@@KaiAndrew I guess you buy them 20% down, with a lender that accepts rent appraisal.

[@daundredemars5028]

Saying stocks are as close to gambling as possible is crazy

[@notsure1135]

Naked short selling? Remember when Greenspan said “I don’t find it concerning that there is more action on speculation upon a stock than there is revenue”?

[@daundredemars5028]

@@notsure1135 speculation is gambling, long term investing in stocks is one of the safest things you could invest in especially because you can diversify

[@american5564]

Not really. It’s all gambling to a degree

[@mreega4812]

Look at stocks history. The elderly lost that gamble in 2008. That's why some can't afford to retire. It 100% a gamble. Nobody saw the recession was coming along with other historical rise and falls in stock market

[@dnguyen787]

Yes, it is a gambling if you day trade stocks.

[@emilymccord7063]

I am from Miami United State🇺🇸, The difference Mrs Lucy Mary Liam makes in my life is second to none it's definitely a life changing kindness. I really appreciate her effort in my life.

[@watson244]

I invested $2,000 and the trade in one month making close to $20,000. I wonder where she got her analysis.

[@macdenise3203]

Seeing my broker talked on KZbin, This was exactly how I got the recommendation about her for the past years. Hit $200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with $20k in July 2024

[@carlosalberto54754]

I'm from Brazil 🇧🇷 I and two other of my friends tried her immediately we testified her performing wonders.

[@andycole258]

Her good strategies of making large amount weekly profits for her clients are totally outstanding. Investing my $1500 with doubt and withdrawing $12,300 with happiness. I ❤️ you Lucy.

[@nixon424]

Thanks to my co_worker who suggested Mr Lucy Mary Liam to me