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  • 2 weeks ago
In this video, we break down why bad debt buys liabilities while smart debt buys assets, and 2 of the strategies the top 1% use with debt.

If you borrow money to buy a luxury car, it loses value while the interest keeps growing. If you borrow money to buy a cash-flowing rental property or a business earning more than the interest, the asset helps pay back the debt. The top 1% also don't sell their investments when they need cash. Instead, they borrow against their stocks or real estate as collateral, letting their investments keep growing while getting the cash they need, often avoiding capital gains taxes from selling.

The full video explains the complete debt architecture the wealthy use to build long-term wealth, including real estate leverage, business financing, and the buy, borrow, die strategy.

This is Part 18 of The Money Formula's Millionaire Behaviors series β€” subscribe for daily videos on money mindset, wealth building, and financial freedom.

This content is for educational purposes only and is not financial, investment, or tax advice.
Transcript
00:00How to Become a Millionaire, Part 18.
00:03Everyone tells you debt makes people poor, but here's what the wealthy know.
00:07Bad debt buys liabilities. Smart debt buys assets.
00:11If you borrow money to buy a luxury car, that car loses value while the interest keeps growing.
00:17But if you borrow money to buy a cash-flowing rental property,
00:20or a business that earns more than the interest you're paying, the asset helps pay back the debt.
00:26Here's another strategy the top 1% use.
00:28They don't sell their investments when they need cash.
00:32Instead, they borrow against their stocks or real estate, using those assets as collateral.
00:37Their investments keep growing, they get the cash they need,
00:40and in many cases they avoid triggering capital gains taxes from selling.
00:44And that's only two of the strategies from this breakdown.
00:47The full video explains the complete debt architecture, the wealthy use to build long-term wealth,
00:53including real estate leverage, business financing, and the buy-borrow-die strategy.
00:57Watch the full video.
00:59The link is in the pinned comment before you make your next financial decision.
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