Day 1 vip 2

All right, we are back. We're here for the last session of the day. Dang. Sunny says it's 4:13 a.m. What the heck? Some of you guys are up late. Wow. Appreciate you guys hanging out with me. My goal is to make it worth it, worth your time. Worth it. Worth the worth, worth the price of admission. Uh, hopefully we exceeded that. 9:13 a.m. for you, Vic. Dang. Um, wow. Oh, Dubai time zone. Yeah. Well, that's one of the benefits of, I say, the drawbacks of living in a different time zone. All right. Well, let's, uh, let's stick with this. Let's make this powerful.

So, what I want to do to try to get this a little bit more efficient than last time is, um, there's a box that says Q&A, and you can just put some questions in there. We'll do is just drop in the Q&A. We'll rapid-fire through these, and then, uh, if we get, I want to make everybody sort of get their core answers, um, done, and then we'll spend some time, uh, chatting or, or going to chat or whatever do at that point. Uh, I'm, I'm here to hang out for a little bit. No big deal. Um, but I do want to be able to take these a little bit faster, and so I think it's kind of good. That's why I ask you guys write it down. Thoughts like papers in their head when I write it down to force you to sort of clarify this. So let's just go and jump through those.

So, uh, Jerry Weir, where would you place physical gold and silver in my possession? Layer two. Uh, no, I would definitely put it in layer two, Jerry, because it's not very liquid, right? Layer two is a cash equivalent. Layer one is cash. Layer two is cash equivalent. Cash equivalent is basically like cash, treasury bonds, money market accounts. So I would put, I would put five privacy gold into layer three. You can't really borrow against it, but what you can do is sell it very, very easily. That's what I put.

Uh, Ror Janice says, "Does it make sense to do this for my personal where my businesses are productive assets or hold collateral assets? What about doing the same model for each of the businesses by themselves?" I'm not really sure what that means, Ror. Um, yes, do it for yourself, for your person, for your personal budget, for your house budget, for your business budget, for everything. Yes. Uh, use your treasury assets to make more assets across everything. So, same model for each businesses. Yes. Business one, yes, yes, etc.

Uh, Sunny Sing, yes. Would you put Bitcoin miner machines at layer four? Um, yes, I would probably put Bitcoin miners layer because once you put the money in, it's, it's very hard to get money out. You're not going to borrow against Bitcoin miners, against computers. You're trying to borrow against them. Uh, it's not a super liquid market to sell them into. Doesn't mean you can't. Uh, Block, uh, Block, I work with, they have like a marketplace you can sell them so you can, um, they're not too put there for, um.

Gary Weir, all my retirement funds are Roth. Is there different nuances to the system in this case? So tomorrow we'll talk more about taxes in general, um, and do we even need IAS and Roth IAS? I am not a big fan of them because I don't like deferring taxes, um, and I don't like, I, I don't like the deferral period. I don't like deferring taxes and then being restricted on the control I have over my asset. It's more about control. I don't think the trade-off of the taxes, I don't like a period, and I certainly wouldn't trade off to lose control of the assets. I'm not a big fan of that overall.

Uh, Bruce Parsons, given the present and immediate future political economic factors, is it going to be a little heavy in Bitcoin and STR securities? Um, I think it's always going to be heavy in Bitcoin. What can I say? Um, that being said, I own a lot of other assets because while it may be the most popular tool, it's like the crescent wrench in my toolbox. I still need other stuff. So, um, it's, it's highly useful. Uh, sure, yeah, I'll be heavy on that. Um, I think it's great. I think it's a cheat code. I think Bitcoin is what unlocks most of these strategies for the small guys like us. These types of financial strategies that we're talking about, leveraging assets, not paying taxes, deferring assets. This one's done forever. Um, but, um, most of us don't have enough money, enough assets to actually do it, and Bitcoin makes it very easy for us. It's like that utility knife. Um, so, yeah.

Anonymous participant, if you can touch on life insurance. Um, if, uh, is someone man in the Q&A back there? Caner or Drew? U, I am, uh, anonymous life insurance right there. Yeah. So if you can touch on life insurance, uh, sure, I mean, touch on it. That's a very broad question. Broad get very broad answers. Uh, life insurance, uh, I think I like whole life insurance as a tool in a toolbox. I think if you use it as a tool intended, I think very good. Most people don't use it properly and it's a very bad tool. It's a very expensive tool and not probably waste money, but it's used properly, it's good. Um, I like, I like it for like a layer one liquidity tool. Um, and I like it as a legacy wealth building tool. I like as an asset protection tool. I like it as a, um, as a privacy, um, I like as a legacy tool. That's what the Rockefellers did. How the Rockefellers, how public companies, uh, build wealth for generations. So if it's used that way, I like it. So you ask me to touch on it. I'm not asking a question.

Uh, Matt Chetty, own an escort. Should I get assets as business or better off as an individual? Uh, Matt, those either or. Uh, get them. Should they be as individual or escort? Uh, what I would say is that what you need is a, is a system. And so you need to decide what am I doing? Um, what is my asset protection strategy like? Don't entities. What does my tax strategy look like? And should I be putting these into corporations or personally? Should I put them into corporations that flow through me personally? Do I want them in trust versus corporations? Uh, right. And so that's a bigger question than that. Um, I, I said in the beginning, I think what I like and what the wealthy, wealthy, wealthy do is they own nothing. They control everything. So really the goal for me and for most people, like most people, is to never own anything. So I guess maybe that's an easy way to sort of answer your question.

Anonymous participant, still know what the ultimate end point for borrowing against your Bitcoin is, using to fund your life and continue to roll forward here? Just keep the account how Bitcoin continue to increase and L flow. Uh, did you just come in? Did you miss all the day? Anonymous, I'm not really sure what that question means. Why would you want to borrow? I literally spent eight hours talking about that. Maybe you have something more specific. Uh, I, how many, uh, how many tests did we go through? If you sold it, you pay the tax. You don't ask, doesn't comp anymore. You lose 20 million. Like I'm not sure answer that.

U, Matt D. If I have 100k coin, I get loan on those coin equals 20k. 20k. I take 20k, buy more Bitcoin. That means my value for the LTV formula is 120,000 now or the original 100k. Um, yeah. So now you would owe 20k against 120k, right? That's right.

Um, Ror Janice, uh, what I do accept free business as the treasury? Yeah, I think I answered that already.

Uh, David Sandy, could you lay out an example of stress testing a HELOC for rental real estate? Um, well, the stress test on that. So, so we didn't get into today. There's so much that we can get into. So, we want to do arbitrage between time. So, typically, like a coin loan might be one year or two years. Uh, real estate loans could be three or five years, sometimes on like commercial properties. Um, I think you said, uh, did you clear a question? I don't see anymore. Uh, so rental real estate, I don't know what it is, but if it's commercial, it's over four units, you're probably three to five years, but if it's res, 30 years. So we have to understand that first. But if I'm stressing a HELOC on rental estate coming home, I have a 30-year fixed loan. The only stress test I'm really stressing for is the payment. Can I cover the payment? Now, if it's different again, if it's a three-loan, well, then what's the new interest rate when we refinance things like that? But the stress would be the payment. Do I have enough? And what I would have done in, um, in, in the calculation I did, the liquidity ratio is, what is my total monthly outlay? So it includes my payment on that property, and then what is my liquidity in layer one and layer two, and how long can I cover that for? So that's, that's how the stress testing works.

Uh, Jeremy Mendal, what if we have deployed leverage in the wrong order? Too risky with layer one, layer two. If it goes away, all crumb, crumb, crumb, crumb, crumb, crumb, crumb, crumb, crumbles. How do you start fixing the problem? Uh, you start moving things around, right? So you, you fix it. You sell a little bit of this asset, you buy a little bit more of this asset, and you start to rebalance. Um, that's, that's hopefully the homework you're going to do, right? Jeremy, to start, um, laying out, laying out sort of one, do I have ratios, then what the fix I need to do? Yeah, you just sell some of this, buy some of this, and just adjust the ratios there.

Uh, Gerriqatara Katakar, would you recommend maximizing or minimizing retirement accounts and putting more in non-retirement accounts, or how would you split the investment? When you say retirement accounts, I'm guessing like a 401k, maybe. So it's a 401k or an IRA. Those are vehicles that we invest into. So, u, we're talking about, uh, again, we did the matrix earlier, and it was value and control. These are not binary, right? There's four quadrants that we measured like a scatter chart. So that's how I think about them. So what are the assets in the 401k or the IRA? I don't even know it. It could be Bitcoin. Okay, high value, but it's low control because it's not stuck in the IRA. So for me, I want high value, high control. So I would rather not go into the IRA. What's the point? Now, the whole point of going into a retirement account, I for taxes, not pay taxes up. I want to get out. But if I'm not going to sell the assets anyway, I'm never going to pay tax anyway. What do I need that advantage for? So now I'm giving up control for a trade for that I don't even need to want.

Uh, digital assets guest, how does an IBC HCD policy fit this framework? I don't know what all that lingo means. I think IBC is infinite banking concept. I'm guessing, uh, HCEV. I don't know, man. Uh, a little bit too complex for me. Sorry. I can't, I can't discern that.

Um, David Pritchette, I'm in the middle of a big life change that is affecting my finances very negatively. Sorry to hear that, Dave. Any ideas on day two and three how to adjust what is shared? Like apply day two and three right away? Wait until the cells to move into day two and three strategies. Um, well, Dave, I'm not sure what you mean by any ideas through three how to adjust what is shared. Uh, my, my presentations are already set in stone. I'm not adjusting those if that's what you're asking. Um, like apply day two and three right away or wait until that settles. I mean, I don't know what your life changes are. Um, the idea, I guess, wait till you get to day three and then you can decide, uh, what that means. I, I don't know what that means and I'm not sure how it applies. I would say, you know, generally, like when you get through hell, like whenever you get to hell, just keep on walking. You ever heard that saying before? So I would just try to keep going. When the going gets tough, the tough going. So you're going through some tough financial things, then maybe this might be exactly what you need right now. But I don't know the full extent of what you're talking about, so I can't really say, Dave. Um, if you want to give more context, you know, I'll come back around.

Um, Grace Marie, if there are any disputes with Bitcoin lenders, for example, Coinbase, what is the place of jurisdiction? Have you ever had a legal degree loan? The point. So, um, Grace Marie, before you sign a loan document, you'll figure that out. Um, I don't have much sympathy, if any sympathy at all, for people trying to get out of their loan obligations, like student debt, for example. Like, you signed the document. Like, you read what it was, and if you didn't know what it was, you shouldn't have signed it. Um, and so when you go to sign one of these loan documents, you're going to read what the, what state they're in, what the options are for legal dispute. There's dozens of places you can borrow against. I don't, I don't know where all the jurisdictions are. Um, Coinbase in California, Arlington is in New York. You know, I'm not really sure. Uh, to answer your question, no, I've never had a legal dispute regarding a loan against Bitcoin. Um, I have had legal disputes against exchanges on Bitcoin and I've never won one. I've lost every single line. So, uh, I don't have a lot of confidence there, but never regretting a loan.

Um, Nubis Penny, if I said that right. Sorry. Could you re-explain the example of taking out debt instead of the extra interest fund and something like Stretch? I got a little lost. Yeah, it's super simple. When I was, uh, doing real estate as a hard money lender, I would use hard money to do my real estate deals. So, for example, for easy numbers, they would loan me a million dollars at 10% interest for the year. That means my payment on that would be 100 grand. What the hard money lender would do is they would loan me enough money to put the interest payments in an interest account that they would hold for me because they didn't want to make sure that I paid them. So they gave me the money I needed and they gave me money for the payment and they put it in an account and they made the payment for me. It's very breakable. So that's what we do. If I want $100,000 and it's a 10%, I'm going to owe 10 grand. So instead of borrowing 100,000, I borrow 110 and I take 10,000 and I put it into an account and I automatic bill pay and so I make you want. Now, if I want, instead of having a bank account, nothing, I put it into a money market account and make 4% of your treasury or stretch or 10 or 11. So hopefully that, hope that's helpful. That's, that's it's pretty, pretty straightforward. Um, again, I partner with art lending and when we create creative financial products, we created one called Perpetual Income and it does it all for you. You say how much money you want. You deposit Bitcoin and every month it makes a payment for you. It rolls the debt for you. You don't have to worry about anything. No, it gives you money tax-free. And so you have to worry about whatever is combo. How I put it here? How do I like takes all that out of it? It's called Perpetual Income. Um, if, if that's confusing for you, um, I would check out Perpetual Income and it's all done for you.

Juan Kamarano, should we focus on funding layer one and then two fully before moving on, or income across the board and start building the same time we invest in other layers? Uh, Juan, I don't know. Um, it, it depends. Um, what does, what does fully mean, right? So maybe if I get to three months, I feel pretty good. Now, let me get some assets in layer three and four, and then over time I'll continue to increase from three months to six months to nine months. So, it's fully three months or it's fully 36 months, right? So, um, I would probably say minimum, the minimum MVP, minimum viable product, minimum that you need, and then start trying to build out from there. But again, you know, Juan, I don't know who you are. I don't see which one you are on the camera, but if you're 88 years old and on fixed income, you're much less likely to take risk. If you're 24 years old and make a million dollars a month, it's a lot different. So, it's like it depends, right? Uh, it depends.

Um, Chris James, I put my money for monthly bills in River account. I pull out at the end of the month to pay bills. Is is that, I think if you're asking, is that layer one or layer two? Um, so River, are they holding it in cash or are they holding it in Bitcoin? If it's cash, it's obviously layer one. If it's Bitcoin, it's probably layer three.

Um, Angel Del Solar, can you ask some information on where we are on the cycle to make good decisions on when to make decision? Uh, where we are in the cycle to make a decision on decision. Um, yeah. Uh, I mean, Bitcoin, when you look at maybe the top six or eight on-chain data indicators, um, it looks like we're about midway through the cycle. Maybe, um, maybe, uh, even less than midway through the cycle. Um, when I think about non-chain indicator data such as, um, global liquidity, uh, central bank policy, and technical analysis, I might say we're, it probably backs up. I say we're probably about halfway through in my opinion. So, I think right now you could do, you know, 50, 60% pretty well. Um, something like that.

Um, Anthony Flipovich, my biggest challenge is taking risk with my funds. I'm fully invested in bonds. So, my biggest point of failure is losing my money to the basement. Tomorrow we talk about possible investments in these layers. Um, my biggest challenge is taking risk with my funds. So, you're invested in bonds. So, US Treasury bonds, the global bedrock of the entire global financial system has lost 50% of its value in five years. That's not risky. You lost half your money. It's pretty freaking risky, man. Um, it's even more risky when I look at the playbook that the IMF put out, which is saying that they have to liquidate bondholders. That's their goal. So, I think maybe you need to redefine what risk is. Uh, because in the old world, I see you there on the camera, Anthony. In, in the old world, your parents' world, and when you were young, bonds were the safe investment. But that's certainly not the case anymore. Things change. So, I think you just have to sort of re-look at what bonds are. When you look, so, do you know what a Sharpe ratio is? A Sharpe ratio is what measures risk and on a, it measures the potential for risk and reward. And if you look at US Treasuries, S&P 500, and Bitcoin in the last five years, Treasuries, it's way more risky on a Sharpe ratio. So I think you just need to sort of challenge your idea of what, what risk is. Um, especially when you said, uh, biggest point of failure is losing money to debasement. I mean, you're guaranteed to lose money to debasement. You're guaranteed. And the reason why is because the government cannot pay more than the rate of inflation. And I mean, you're losing. That's what, that's what the financial question is. So the government reported data CPI, or as I call it, CPI lie, is 2 and a half percent, but that's not inflation. You know, the cost of gas and milk and steak and homes and travel and Bitcoin and S&P 500, gold is up more than 50% in the last five years. It's not 3%, that's 5%, it's 50%. Which is the rate of monetary base, 10% a year. That's the rate of that's the rate of base trying to pay for 10%. The government can't pay 10% interest. They can't. It's never going to happen.

Um, Vlugo's cash reserves, layer two or layer one? It's one, it's cash equivalents, layer two.

Alfredo Soma, with money printing, do you also expect stocks getting higher even when they're in record prices? Uh, Alfredo, record prices. What does that even mean? So prices is not a single number. Prices is a ratio. I'll teach you, take back element math. I'm not very good at math. We'll do elementary math. You guys know what a fraction is. A fraction has a denominator and a denominator. Right? So all prices are denominated in something. A barrel of oil is $80. It's 70 pounds. It's 120 Colombian boulevard. It's 5 ounces of gold. It's 0.25 Bitcoin. Right? A bar of oil is denominated in something. You're denominating your stocks in dollars. What if you denominate in gold? What if you denominate in Bitcoin? What if you denominate them in commodities? What if you denominate them in oil? And the reason why you need to look that way, Alfredo, is because they keep printing more dollars. Your measuring stick is being manipulated. Your measuring stick is getting inflated. So you're saying a measuring, they're record prices, record prices in what? They're not at record prices in gold. They're not record prices in quantities. As a matter of fact, if you take the S&P 500 and price it in commodities, the CRB basket, the S&P 500 is down 20% since the year 2000. It's down. It's not up. We're not prices. Okay.

Uh, Sunny, would it be smart to use stretch with 11% higher portion? Potentially even run all month expenses through it and let the rest be in layers before. Um, Sunny, uh, sure. Yes. Why not? Maybe a little risky. I mean, there is a little bit more volatility stretch than you would have in my market account or your treasury. So, right, we saw, we saw it go from like 99 down to a 96 or 97 and now it's back like 9 or 100. So a little bit more volatility. So the treasury is like 0.4, uh, stretch is like, you know, two to six. Um, which is why, you know, we want a little bit longer term million in there, but you certainly could, um, you could, you could all your money million in that, um, probably money that, you know, because, because you have to sell the app, you have to sell it, and that's what broke down. So it takes a little time. So I probably would put my operating capital in there, but certainly layer two. Yeah.

Uh, Denise Feather, um, I have assets doing well, 900k, but I'm between jobs. I'm curious, can I leverage cash flow or just focus on my new business I'm creating? I decently liquidate assets in six figures to stage two, stage one heavy, not much stage two because I have not got the cash flow, and I'm currently in a court case with the ex and the attorneys love clients that don't want to settle out of court, so I'm paying crazy fees to my training. Okay, so, uh, you know, it's a math, it's a math problem. How many do you need? Write it down. What's the minimum you need? So you don't end up homeless. I talked about this earlier. Is it 4,000, 6,000, 10,000? I don't know. Write the number down. What do I have? That's the next question. You have 900,000 in assets. I have decently assets in six figures in stage one. So cash. So you have 9 grand. So how much do I need? I need $90,000 to live. How much do I have? I have 900 grand. Cool. All you got to do, 10%, and you're covered. You're good. Just do that. How do we get 10%? I scratch like, so I don't, I don't, I don't know all the details, but that's how the, what number we need. What's number have, and then the math problem. How do we make that work? Um, so hope that helps.

Sean Hopwood, does funding layer two mean slowing down and buying layer three assets? Sean, I would look at it that way. Um, I mean, obviously yes, in one sense, right, where it's like, hey, I have a dollar. Should I put it in layer two or layer three? And but I put it in layer two. That's how I would look at it. The way I would look at it is that what I want to do is because that's super binary. We're going to talk about this tomorrow, but you've heard me talk about it. I'm sure you want to watch my videos, emails. I want to, I want to invest the dollar three times. I want to invest the dollar five times. So I want my dollar doing five jobs at once. And when I teach that strategy tomorrow, that's risky. Yeah, but not if I have layer two, layer one, two set properly. I de-risk it. See, people think so binary. If they see all this risk, they don't see management. So what happens is, if I set up layer one, two properly, property, then I can get my money in three, five, seven jobs as opposed to only know what I'm going to do with it. You follow me? Yeah. Give me a thumbs up. Okay. Yeah. Super binary, right? Like I talked to earlier, and she's like, you know, I started a second job. I have a side hustle now. So you're going to work two jobs, but you won't have your money work two jobs? Like, come on, man. I want my money working way harder than my wife's done three or four jobs. I only do half a job. How about that? So, uh, yeah, that's how I think about it. The one and two allows my money to do three or four or five jobs. It's not binary. One, $1 can do multiple jobs at once. We'll break that down tomorrow.

Um, Sue Nelson, I have a lot of altcoins, uh, some Bitcoin. I was expecting to maybe game or Bitcoin that way and waiting for PAone. I have lots of real estate cash, too. Should I wait a bit? Um, you know, Sue, I don't know. I don't have a crystal ball. I can't tell you the answer to that. Um, I'm not holding any of that. Uh, so, you know, I don't know. Obviously, I know what you mean. Banzone, whatever. Uh, maybe Ethereum and Solana. I mean, Ethereum did pretty good against Bitcoin last year. Uh, Suie and a, I know that's like his favorite position. I, I don't know the answer to that. And you're asking me to pick a resource. I'm not really good at picking resources. Um, so I don't know the answer. I don't have the crystal ball. Um, if, if it was me, then yeah, I just buy the coin. I just buy a coin. Um, earlier I said that, um, we're going to get a lot further ahead in life thinking about what we have and not what someone else has or what we don't have. And so for me, if you price, if you price, remember I talked about prices are denominator and denominator. So I can look at how much, how many dollars is one Bitcoin. I can look at how many dollars is one Ethereum coin. But I also look, how many ounces is one Ethereum coin? I also look, how many Bitcoin is one Ethereum coin? So if I price Ethereum in Bitcoin, not in dollars, but in Bitcoin, it's down like 80 or 90% over the last five years. Now, there's certainly times where it outperforms Bitcoin, and if you're smart enough and you can read the future and you're online all day and you know exactly when to buy and sell, you can probably outperform it. Um, I just know that if I just sat Bitcoin for the last five years, I came out ahead. And since I'm thinking about things, I just do that. I'm not trying to like time it. So, I just don't know the answer to that. I just buy coco over a long period of time.

Um, Adrian Pratzika, are we going to get more into strategies? I'm assuming tomorrow was your tax advisor like borrowing against using policy solo own. Yeah. So tomorrow we'll get more into strategies. Today we're building the system, the treasury doctrine, the treasury OS, the motor. Tomorrow we'll start strapping on or bolting on all those other things.

Uh, Alfredo, would you consider 50% stretch and 50% SATA? Would I consider it for what? Alfredo, consider for what? Uh, I think what you're saying is if I'm guessing, if I, if I, uh, if I wanted to buy stretch for some reason and I thought it was a good idea. Would I consider taking that allocation, whatever that may be, and putting half of that and half into SATA? I guess what you're asking. Probably SATA pays a little bit of higher dividend. Sure. Sure. Why not? Uh, SATA, I think is SATA, that's assets, um, stretch version, I believe, right? So sure, maybe not 50/50, maybe a little bit less because a little bit less tested. They're a smaller company collateral. They haven't been around as long.

Uh, Hans Morgan Stern, I got an emergency fund, 100k in money market making about 4% on like a monthly budget of 5K. No income right now. Would a safe stress test be moving 50k to stretch? Um, well, you have 100k making 4%, which is $4,000 a year, right? For $4,000 a year, but you need $60,000. All right. So, you're not anywhere near enough. Uh, a safe stress test, moving 50k stress. So, you move 100k out. So, now you're making 50k there, you're making now another 5k a year. I, I don't know. This, the stress test is throwing me. Um, it's not a stress test. I don't even know what stress testing. Um, if you did that, you can increase the revenue that you're making, but you're still way below what you need, right? You're still not going to be making the five grand a month. Um, so I think you make some income or you get more assets. Uh, doesn't sound like you're quite, doesn't tell you have enough asset base to make the revenue that you need to retire at this point in your life. Um, yeah, 100K is not going to produce 5 grand. Five grand a month is $60,000 a year. You need a 60% yield. And I just, I don't know where in the world 60% yield. Now, people DM me on WhatsApp and, uh, Instagram all day and they can make more than 60% yield. I wouldn't work with any of those guys, though, if you know what I mean. I'm sure you guys have all seen those. They promise you 8,000% returns a month. Don't work with them. But other than that, I don't know where you're going 60% return. Not safely. So anyway,

Uh, Juan Camarano, whole life versus IL? Whole life all day.

Um, Tom Burkard, I started using stretch for my layer two. It's a relatively new tool. How secure is it? I don't know what you mean by how secure, like it's an equity, so like secure like you're not going to get hacked in your brokerage account. Um, you know, I'm not sure what you're asking. Are you asking like, will they keep paying the dividend? I mean, I think so. They got $2 billion in cash to pay it. Um, but how safe is any dividend? IBM dividend, Kodak dividend, companies suspend their dividends all the time, man, but it's the death blow of them. So, companies don't want to suspend dividends. The difference I would say, and, and I don't have time to go into all this, but the world doesn't really understand what's going on with this right now where we have digital assets and digital credit on top of that. Uh, I'm going to spend a second tell you this. Um, the whole financial world works off of something called discounted cash. Anybody ever heard that for discounted cash? So if I'm buying Apple, Tesla, Google, etc., I'm buying them on a P ratio. You guys know what a P ratio is, right? It's a price to earnings ratio. So if I'm buying like a Mag 7, it's like typically a 30, 50 times P ratio, which means I'm buying them at a price today that justifies 30 years, 30 years of income cash flow. And if I buy an Apple bond or a Microsoft bond or I buy an AT&T dividend stock or whatever, they're going to pay me with future cash flow, right? Future cash flow. That's how the whole financial world works. Everything works on the potential for them to have cash in the future. Any bond, any fixed income, the fixed market is the biggest market in the world. All fixed income is based off of them having cash flow in the future. Well, AI is disrupting every single business in the world right now. What's the probability they're having cash pay that in three years or five years or seven years or 20 years? Well, MicroStrategy is doing something different. They're not promising to pay you from future cash flows. They have the asset. They have the money. They have 120 years of payments in savings right now. Not the future potential promise to pay you off potential future cash if I had it. I didn't. So, how safe is it? Time will tell.

Um, Gabriel Brown, do you hold on your name or come to the name or not understand why? All that, all of it. My goal, Gabriel, is to own nothing. Own nothing. Control everything. I gave you the matrix, value and control. I want control. I don't want to own it.

Uh, anonymous participant, would you use whole life or use stocks for getting a loan against these assets? I'm not sure what that means. Use whole life or use stocks. Um, I mean, I'm not really sure what that means. Uh, I use whole life or stock. I think maybe at this point, sorry, it's been a long day for me as you can imagine. Uh, I would use both. I don't know. I don't think in terms of black and white. Like, why not, why, why would I use both? Um, so yeah, I don't know.

Um, man, questions are probably faster than I can get to them. Where are we at here? Yeah, I'm not going to get all these. Take a couple more. You can see why though, like, um, you know, there's information and there's certainly there's implementation, right? So that's why, you know, as I told you, like this is not an event to try to teach you in buying something. I'm going to give all to you. I'm going to give you all information. I'm going to give you all the numbers. I'm going to give you all the tools. I'm going to give you all the levels. I'm going to give you the sheets to fill out. Tomorrow, I give you a spreadsheet. I'm going to give it all to you. I believe in today's day and age, I mean, information is pretty much free. So much give to you. But when you start trying to go implement this stuff, that's when all the questions come, as you can see. So, um, you know, as, as it should, right? If I was going to teach you how to surf, we go to the beach and we'll wait for a minute. Um, okay. I'm going to teach you how to play tennis. Go to tennis court. You'll watch play tennis for a little bit. I'm going to show you here's how you hold a racket, here's your grip, you know, here's how you swing. But that's all I can tell you. Once you start playing, then you have questions. Once I watch you, then I can critique you. But, but also I can't give you everything you need in a couple tennis lessons because over time, as you get better, you need different types of instruction, right? So I keep talking about surfing. A lot of my friends are surf coaches. So some coaches take kids out and they swim in the water with them, like with fins on, and they help them get away of pushing them. Some coaches only work with more advanced students who are on the beach and they're filming. And some coaches only run contest scenarios because they're working with really advanced contest kids. And my point is that as you advance, you continue to need help and insight and, and coaching because, um, how we apply these things, it just changes. So, um, I'm trying to give you as much information as possible because it's not like just giving you an answer today. It's more important to give you like the thought process of how you can process this because the, the answers will change for you, right? Um, the times change, the markets change, your life changes, your risk levels change, your income assets change, etc. Um, so I'm going to give it all to you. I'm going to lay it all on the table next few days. Um, but we do have a program where you keep working with me and I can coach you through all this if you want, and I have all the experts I can give you and all that. So, um, if you need extra help, you want to know who my tax people are, my life insurance people, my asset protection, if you want any of that, I have all that. If you want to get coached with me, my team, we have all that. Personal coaches, one-on-one coaches, group coaches, we have the whole system that we give you. Um, but again, it's because it's not all the information. I'm going to give you information, but it's the implementation of it. Um, it's like, it's like, uh, you want to learn how to get in shape. You want to learn how, one thing I'm working on right now, right now, right now, trying to get more mobile as I've gotten older and I sit too much. I get too stiff and so now, like my goal is like, I'm really working on a lot of mobility and, uh, shoot, man, I go on YouTube and find a hundred different, I can find a thousand or 10,000 videos on mobility, but then it's like too much. Which mobility videos do I watch? This guy says this, this guy says this. Now I have analysis paralysis. And at the end of the day, now I'm spend all this time trying to create what's going to work program. I got to do it and then I do, right? So you know what? I'm just going to go to this gym where they do train week and I just go there and I do it like they just go through it. They help me with my form and like I do that. Um, so anyway, tomorrow we'll talk about how to do that.

Um, let's see. Do I have a couple more here I can answer? Uh, how do we access arches lending programs? Just go to archeslending.com. Archeslending.com. Just go there. You can access it. If you want to find a company, probably go to slash and velocity. Velocity.

Um, what is a River account? Slate. Uh, River account. River is a company where you can buy Bitcoin. And what you do is you can leave extra cash there and they'll pay you like three or four percent on your cash while it's there. Slate.

Um, could you explain your car example from the beginning of the day? I'm going to talk about it again tomorrow. I'm going to talk about it again tomorrow.

Um, I'd like starting to get away from my full-time jobs. Is Andrea Ario? I have at least 5,000 a month cover, 1000 and 20,000 Bitcoin. Uh, I like to make my layer one. So, you know, a general rule of thumb is like, you know, 10 or 15%. If I need 100 grand, I need a million dollars or a million dollars for, you know, 100 grand a year. So at 450 grand, you know, maybe that's good for 5 to 7,000 a month. You could probably get that, um, by using like Perpetual Income product, Andrea. So yeah, you could probably, uh, take, take 500 grandish roughly, putting Bitcoin, harvest 15% a year on that through Perpetual Income.

Um, Jack Lou, how would you advise the business on start stacking Bitcoin to treasure your asset? You have recommendation on how you put away percentage profit? I mean, don't get confused on that. Like you're a private business, whether you're a private household or business, you should have savings and you have assets and how do you manage those assets? Those assets can be Bitcoin. Uh, you don't need a big deal about it. Um, so how would you buy it as business? To buy it and you hold it under the ownership of the business and you count it as on your balance sheet of the business. That's it.

Um, all right. I think I wrap up with that. I'm pretty bra, as you might imagine. I think I'm talking now for 12 hours straight. No, not 12 hours. 10 hours. But not just talking, thinking. Uh, and I still got work to do for tomorrow. You guys got value today. Give me a heart. Give me a heart. Can I get a heart? I need a heart. I need filled up. Let me feel love. Uh, man, tomorrow we're going to bring this home though. Uh, like I said, today was like really about building an engine. Uh, but tomorrow we're going to show how to find the, find the money in the laundry, find the money in the couch cushions, and turn that into millions. That's what we're going to talk about tomorrow. We're going to show you all the way to do. I have a couple, you know, individual specific, uh, strategies I'm going to teach you that I think are going to blow you away. Um, so it's going to be great. Time schedule for Friday, uh, I think it's the same. It's, uh, we're going to end early, but, uh, start at 9:00 a.m. and, uh, Friday, I think, will probably end about, um, 12:30, 1:00 p.m. Pacific. So, like half a day. Easy. Easy. After two full days like this, that'll be easy.

Um, cool. Well, that's it. I'm going to go home. I'm going to go home and, uh, maybe take some sleep, maybe dinner. I don't know. But, uh, review your stuff. Really think about it. Think about the transformation today. Like, if, if you could just, just each of you take five minutes after you get off here and just kind of sit and marinate it for a minute. Like think about it for a minute and like visualize like where your life could be different in a year from now once you put all this in place. A year or two is not that long to change your entire financial life. You get this right and everything. Not just you, your chamber, not just your entire, your entire lineage is changed. It's amazing. Uh, so that being said, I'll see you back here right 9:00 a.m. tomorrow. Let's go sign up, guys. I say to your success. I'm out for you. No one's coming to study for you. No one's coming to put in the hours for you. No one's coming to do all the hard work for you. You have to do it yourself. Are you making yourself better? Are you making yourself worse? Are you moving forward? Are you moving back? Are you making progress? Or are you stagnating? Every little decision you make counts. So when you make your decision, make the right decision.