How to Get Rich

This is not financial, legal, or tax advice. It’s provided for educational and entertainment purposes only.

1. Own Bitcoin 🟠

Bitcoin is decentralized, finite, and resistant to inflation. Holding it gives you financial sovereignty and long-term wealth potential.

2. Think Rich 🧠

Wealth starts with mindset. Believe in abundance, take responsibility, and reject scarcity thinking.

3. Take Action 🚀

Stack sats, learn, and build habits that support financial independence. Consistency beats perfection.

4. Avoid Fiat Traps 🏦

Escape inflation, taxation, and debt cycles. Fiat systems are designed to keep you poor—opt out.

5. Be Your Own Bank 🔐

With Bitcoin, you control your money. No middlemen, no permission needed. Store your wealth securely and privately.

Freedom is the new wealth.

6. Invest, Borrow, Die 🧬

This strategy builds generational wealth while minimizing tax exposure. It’s legal, strategic, and used by billionaires.

Buy assets. Borrow smart. Pass on wealth tax-free. 🧠💰
Life-Stage Wealth Plan

Wealth-Building by Life Stage

🧒 Ages 18–30

Dollar-Cost Averaging

  • 70% into S&P 500 & broad ETFs
  • 10% into Bitcoin monthly
  • 20% into whole life premiums
  • Automate & reinvest all gains

Lump-Sum Investing

  • 60% in S&P 500 ETF
  • 15% in Bitcoin (cold wallet)
  • 25% extra whole life premiums

Invest−Borrow−Die

  • Invest aggressively in equities & BTC
  • Borrow small policy loans for big buys
  • Plan for step-up basis on assets at death

👨 Ages 31–45

Dollar-Cost Averaging

  • 50% to diversified index & sector ETFs
  • 8% into Bitcoin DCA
  • 25% into whole life premiums
  • 17% into bonds/emergency fund

Lump-Sum Investing

  • Max out retirement accounts first
  • 50% of windfall into ETFs
  • 10% into Bitcoin
  • 40% into paid-up additions on WL policy

Invest−Borrow−Die

  • Invest & diversify core portfolio
  • Use HELOC or policy loans for liquidity
  • Set up trusts for tax-efficient transfer

🧔 Ages 46–60

Dollar-Cost Averaging

  • 40% in balanced equity ETFs
  • 5% Bitcoin (optional)
  • 30% in bonds
  • 25% whole life premiums

Lump-Sum Investing

  • 50% into balanced ETF portfolio
  • 5% into Bitcoin if tolerant
  • 45% into paid-up additions

Invest−Borrow−Die

  • Preserve capital in blue-chips & bonds
  • Borrow against portfolio & policy loans
  • Lock in guaranteed growth & legacy

👴 Ages 61+

Dollar-Cost Averaging

  • 30% into income & REIT ETFs
  • 3% Bitcoin (purely speculative)
  • 20% whole life premiums
  • 47% into bonds/annuities

Lump-Sum Investing

  • 40% into income-producing portfolio
  • 60% into single-premium whole life
  • Minimize estate taxes

Invest−Borrow−Die

  • Use policy loans & reverse mortgage
  • Minimize portfolio withdrawals
  • Transfer assets tax-efficiently at death

Summary Allocation & IBD Highlights

Life Stage Stocks / ETFs Bitcoin Whole Life Bonds / Income Invest-Borrow-Die
18–30 70% / 60% 10% / 15% 20% / 25% — Aggressive investing, policy loans, step-up basis
31–45 50% / 50%* 8% / 10% 25% / 40%* 17% Diversify, HELOC/policy loans, trusts
46–60 40% / 50% 5% / 5% 25% / 45% 30% Preserve, portfolio & policy loans, legacy
61+ 30% / 40% 3% / — 20% / 60% 47% Policy & reverse mortgage loans, tax-free transfer

*Lump-sum columns show allocation of each windfall or bonus.

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