Transcription
Don't sell your XRP. The wealthiest crypto holders don't sell their crypto at the top. Okay? They're borrowing against their holdings to avoid immediate tax gains. All right?
Most investors have no idea that this strategy even exists. And I've worked with some of the wealthiest families here in the US. And I want to reveal something that they do to live off of their assets and their crypto. And they hold it for forever without selling it.
By the end of this video, you'll learn the exact step-by-step strategy that the wealthy use to hold their appreciating assets forever while funding their lifestyle and how you can do it too with your position in XRP. So, what is this concept even called? If you don't sell your assets or your crypto, how do you get money? Like, what does that even look like? How does this work?
Well, many people have coined the term infinite banking, which effectively means your assets that you own continue to go up in value over time. This can be done through an insurance policy or a bunch of other structured products, but basically you just borrow against those assets. Debt is tax-free. Now, you do have to pay the interest payments on this stuff. It's well, unless it's done through the right type of insurance policy, but for the most part, this is what the wealthiest people in the world do that are billionaires. They own large amounts of equity in publicly traded stocks. They just borrow against those positions to be able to fund their lifestyle and upon their death that gets repaid by the appreciated stock. Right?
So most people think they have two options when it comes to crypto. They can either hold it for you know the upside or they can sell it. But selling creates an immediate long-term capital gains tax obligation which is typically somewhere between 15 and 20% at the federal level here in the US. Other jurisdictions it's different. And that's just long-term capital gains. That's not if you bought it this year, which is going to be taxed as regular income. So, combined with state tax, you could be looking at somewhere between, you know, 25 and 35% on the long-term capital gains and even up to 50% if it's short-term capital gains on your holdings when you liquidate. That means sell for a profit. Okay?
So, this means if you had a million- dollar Bitcoin position, you'd have to give up somewhere between $250 and $350,000 in taxes just to take those profits. That's 25 or 30%. Like that's a lot of money to give to the US government for them to then go use it however they're going to use it. Why not keep it in your pocket?
The wealthiest people use borrowing strategies with life insurance and traditional assets and they've been doing it for decades. High net worth individuals often borrow against their stocks and their holdings instead of selling. And it's pretty reasonable interest rates and pretty decent LTV. And according to reports, Elon Musk used his stock holdings as collateral for loans to be able to buy Twitter, $40 billion for that acquisition. He borrowed against his SpaceX stock and was able to buy Twitter. No tax implications on that, by the way, and was able to make that acquisition and write that off against his other income.
So, the same borrowing approach is now available for digital assets through institutional custody that we have at Digital Wealth Partners and Digital Ascension Group. We use a triparty agreement. We have people that are willing to provide liquidity against it. We can get you access to lines of credit for your digital assets. So, a concept that your assets are going to continue to appreciate can potentially become a way that you could pay off these loans over the long term.
So, as an example, let's let's say you borrowed against your XRP today. It's $2.50 and you're not going to borrow against a lot of it. Okay? Right now, we're getting 45% LTV. So, maybe you borrow against 10%. You got a million dollar in XRP, you need $100,000. Cool. You put up, you know, a million dollar worth of XRP. Even if we have volatility in the price, you're probably not going to get margin called. It would have to go down a lot for that to happen. But that's tax-free money and you're going to be paying, let's call it 1% a month right now on that note. So $1,000 a month for a $100,000 line of credit. Uh and you could roll that. So as the assets appreciate, you could borrow more money and pay off the note with that. You could set a portion of it aside. Let's say you set aside $12,000 because you know that's what it's going to cost you over the year, over the term of the loan to cover the interest. And now you have the rest of that taxfree, which is still cheaper than selling it and dealing with 25 or 30% tax if you're depending on what you're in for long-term capital gains. If it's short-term capital gains, it can be even more than that.
So using an appreciating asset is a normal deal. This is done in traditional finance all the time. You can borrow against it. There's an LTV or loan to value ratio and there's always interest that is, you know, acred over time. If you're doing it inside of an insurance policy and the assets continue to appreciate, the cash value of the insurance policy pays off that debt. Most people still want to make some payments there during their lifetime. But as the asset continues and the market continues to perform, you're going to get more and more access to liquidity. And you can pay interest on what you borrow. And the borrowed funds themselves aren't taxable as income, right? On long-term or short-term capital gains or as income. None of that's taxable because it's debt. Debt is not taxable.
So with proper planning, various strategies exist to manage those debt obligations. And again, we're going to get into that if you'll stick around for the rest of this video.
So understanding three paths for crypto infinite banking, there are three main approaches depending on your situation and your holdings. So you can borrow directly against your crypto inside of institutional custody. Again, we provide that with, you know, what we have at Digital Wealth Partners and Anchorage. You could use DeFi protocols for decentralized lending, or you can get it inside of an insurance policy and use PLI, which we also work with people to do.
So, each of these approaches has different minimum requirements, costs, and benefits. So, we're going to weigh through some of those and your portfolio depending on the size that it is, what makes the most sense for you if you want to use this approach. And the wrong choice could cost you a lot of fees and other missed opportunities. So, you want to make sure that you're making the right choice using the right structures and it could save you hundreds of thousands of dollars in taxes while maintaining the asset and your allocation there to continue to see the growth over the next 5 or 10 years, which we know is going to be explosive for digital assets.
So, that first one that I talked about again was just borrowing against the asset directly. Maybe you're holding it in your LLC or your trust or in your personal name even. And this approach we can facilitate with clients again at Digital Wealth Partners. To work with us, you are going to need an LLC or a trust holding the assets. we cannot work with individuals and we will help you orchestrate or set up those structures to be able to do that if that's something you're interested in. And it comes with a lot of other benefits versus you know the DeFi application that we're going to talk about here in a minute.
So we have a triparty agreement. Your assets are held there at Anchorage. It's a segregated bankruptcy remote insured account up to $100 million and they're your assets still your assets. It's just like the most secure cold storage that you could have and your family members don't need to know about crypto. the their names are on the account if you wanted to be either as beneficiaries or your spouse could be a signer. It's basically a Schwab account for your digital assets.
And so the typical lending terms are somewhere between, you know, 30 up to 60% LTV or loan to value. Bitcoin tends to be the higher end of that range. XRP is somewhere between 45 and 50. and and that's just the risk that people are willing to work with today. As things progress here and there's more liquidity that moves into the space and we get XRP, you know, potentially designated as a tier one asset by the BIS, I think they're going to be willing to lend much more against it over time and underwrite the risk at a much lower risk rate and interest rate. But today, we're around, you know, like I said, 30 to 50% on the LTV. And the interest rates are somewhere between lowend of around 8% all the way up to 15% depending on the asset and how much you're willing to put up.
So, let's say you had half a million in Bitcoin. You might want to borrow $1 150 to $250,000 in that range, like I talked about, 30 to 50%. We don't normally recommend that. We like lower LTV, somewhere between 20 to 30% LTV at a maximum, but we know people are willing to take more risk. And so, we do have that there if the appetite is is what people want.
So, interest rates currently run again from around 8% all the way up to 15%. Just depends on the asset, how much you're willing to put up. The rates reflect the current state of the crypto lending market. And the key advantage to doing this over DeFi protocols, it just it's going to protect you during volatility. We just had one of the largest liquidation events that we've ever had in crypto and no collateral was called away from our clients. If you had been in one of these DeFi protocols, liquidated, done, gone, took your assets, you're done. With us, you're going to get some differences here. Now, you're going to have to go through KYC requirements. It's not just like, you know, anybody can put stuff up, but it's pretty simple. Nothing too crazy. As long as you're not a bad actor, committed fraud or, you know, doing anything malicious, then we can work with you.
So, funds are generally available within, you know, 24 hours is the SLA, but I've seen people get funded in up to, you know, as as little as 30, 45 minutes, very fast, especially if you're doing multiple loans. And that can be done in USDC or it can be via wire if you want cash, just however you want it. Uh, but then on the volatility side, so let's say you know there is a margin call or a capital call. Our partners are willing to work with us because they don't want to call your capital away. They want you to pay the interest on the note for the full term. Like that's how they make money. So they're going to give you 24 hours to cure that. Sometimes they'll give you a little bit longer in certain circumstances. You know, if it's a weekend or something where you can't wire funds over or it's going to be a little bit before you can get there, they will work with you. Whereas a DeFi protocol, like I said, it's done.
As the market matures and regulations evolve, I think lending terms may improve over time and our lenders will continue to negotiate better rates with us, which we will then again be able to provide to our clients and uh banks may even eventually be able to lend against crypto. We've already seen them talk about using this as a collateral asset for mortgages and other stuff. And as the asset class gets adopted, I think that that's going to become much more feasible. Probably the first foot in the door for the institutions is being able to lend against your crypto. And as that happens, I'm I'm seeing it start to happen here at the end of 25 and end of 26. I think that the interest rates will come down substantially because there'll be, you know, less risk one and then two, there's more competition in the market. So right now, people again are charging somewhere between 8 and 15%. I think you could see that drop down to somewhere between prime plus one and maybe 9%. So singledigit interest rates against your crypto by early 2026 is my expectation. early adopters of, you know, these proper borrowing structures could benefit from refinancing this as those interest rates come down and be like starting your real estate portfolio in the 80s at super high interest rates and then, you know, you kind of have to pony up some extra cash to begin with, but as you refinance and and the assets appreciate over time, the interest rate comes down and down and down, you could probably keep your payment the same and borrow more and more money, which will be a cool thing to watch as things progress here.
So let's touch on the DeFi side of things is which is the second option if you want to do this. The centralized finance platforms like a and compound offer cryptoback lending and those are the two main ones. There's a lot of other ones out there that are willing to do it and there's some centralized exchanges but we're going to speak specifically to the DeFi applications right now. So generally there's no KYC required. It's a permissionless access, you know, DeFi that's the whole premise here. Uh, it's relatively quick liquidity, like almost instant, you're able to, you know, get Tether or USDC or whatever stable coin you want from that smart contract, but it does lock it and you have to give up that collateral. It's not in your name anymore. They're holding it. There's counterparty risk. If the DeFi protocol gets hacked or something else happens, it's not insured. So again, you want to be aware of these things, but rates can vary based on the protocol and the market conditions. You know, they move up and down. They underwrite that risk, you know, how they see fit. So that's another thing. What if they the protocol decides that there's too much risk in the market and they're going to raise your interest rate and it's a variable rate deal? Not so good.
So a significant consideration is really just going to be about the liquidation that can happen automatically based on the protocol's rules, which is effectively how smart contracts work. If the liquidity requirement is not met and you're not able to top up, you know, your margin call in time, they are just going to liquidate it and recover their losses. That is the whole premise behind this. So they're not going to give you 24 hours. there's nobody to work with. It's one and done. You lost your assets if you have too much leverage. This can be a really slippery slope and can cause people to go broke very quickly. I've seen it happen. So again, that's why we've put these provisions in place with our partners to be able to mitigate a lot of that risk when inevitably the markets are volatile in crypto and it's going to happen with big downward moves. So if this happens really rapidly, you're not going to have a whole lot of time and you're going to have to be watching it all the time and be worried about it. just additional mental stress and burden using a DeFi application versus you know working with an institutional lender inside of institutional custody. Um, but you know, for smaller amounts and short-term time horizons I think this is probably the could be a better solution for people. If it's large amounts of money or longer durations probably want to do the institutional side. If you need a quick $10,000 or $20,000 against your ETH for a couple months maybe this is the better deal, right? So speed and accessibility can be beneficial depending on your situation. And for larger amounts, again, I probably go the other route. You know, if it's over, you know, everybody wants a number. I'm going to say over 50 grand, you probably want to work with institutional partners on that just to have some safeguards cuz that's starting to get up there in the amount of money. Um, if it's a smaller amount and you have a lot to put up, probably not as big an issue.
So, the last one that I mentioned is private placement life insurance. And this is where the typical, you know, infinite banking would come about. But this is a much higher requirement. It's going to be at least $5 million in most applications to be able to get this funded. The time horizon to get it done is much longer to in order to be able to borrow against a policy. It needs to be at least a five pay most of the time. Um, could be even more than that, 7 to 10 pay. So what does that mean? Well, you have to pay the premiums and the cash value that's going to occur in the policy over a duration of time and years, not just a lump sum in because if you put a lump sum in, like they figured this out, the IRS and and regulatory bodies saw people using this vehicle for this and nipped it in the bud. So, you don't want a modified endowment contract. You want to make sure that things are spaced out over time. And this is a much more sophisticated approach, generally reserved for people with significant amounts of cash. Today in the US, you're only able to fund these policies with cash and then you can acquire the assets inside of them if that's the way you want to do it. If you are not a US or Canadian citizen, you can do this offshore in Bermuda or Cayman. There's a few other jurisdictions that have these sophisticated policies and you can invest the assets in kind into those policies. So, you know, again, there's there's pros and cons to all of these and you want to make sure that you're doing the right one for your jurisdiction and what's best for you and your family.
So, the policy would then become tax advantage. So you could trade assets inside the policy as long as you're meeting the diversification standards for the jurisdiction that the policyy's in. Here in the US, you know, you need at least five investments. No one investment can make up more than 55% of the total policy. Again, and you and you're going to have to work with a fiduciary. You're going to have to work with an RAA to manage these assets inside this policy. But you can own just about whatever you want inside there. Uh, so if you wanted some real estate, you want some private equity, you want some crypto, you want some stocks, you want some private credit, the world is your oyster inside these policies. Again, kind of subject to somebody else managing that for you. And there's some specific ways that you have to work with this stuff.
So again, just kind of circling back here, what's the benefit of this? Well, as the cash value acrews inside this policy and the assets appreciate, you can borrow against the policy. And again, there's some nuance there into how that's done and the parties that are involved in the underwriting. Um, this isn't like a DeFi application, okay? It's not like a oneanddone easy deal. Again, if a speed and efficiency are your game, the other two ways are probably the way that you want to go. This is more of a long-term tax optimization strategy for lines of credit that you may want to borrow a year from now, two years from now. um, you want to have a little more forethought if you're using private placement life insurance in a properly structured estate plan. And again, if that's something that you want to work on and you want to do, if you want the best professionals in the world working with you, you can just reach out to us at Digital Ascension Group and we have those in our back pocket that we can share with you to be able to get you access to all of these, you know, higherend, if you want to call them that, structured financial products that don't exist out there for the majority of the market.
So, I'm going to get into, you know, an actual situation that we have with one of our clients and what they decided to do and how we walked them through that. And again, I probably need to state this. Nothing here is financial advice. It's only entertainment educational purposes only. You always want to speak with a financial adviser, which is who we can refer you to at Digital Ascension Group. We have digital wealth partners. You can go to digitalwealthpartners.net and work with a financial adviser that will advise you on your crypto and knows about these structured products and everything that we have there, the lines of credit included. So, if that sounds cool to you, we would love to work with you, uh, you can just go check it out at the contact us page on that website.
So, without further ado, we'll jump into the scenario here. So, let's say you had this client that bought the XRP at 50 and they're holding $4 million of those XRP and you know, this is when the price was still low early on. they were worth about $2 million and they believed that XRP was going to go up in value and obviously it's gone up a little bit since then and so they took the loan out then and they borrowed about a half a million dollars. So, you know, if they had sold that half a million dollars as it appreciated, they would have lo owed the long-term capital gains on it. Uh, but because they borrowed it and the appreciation on the asset happened, now they're in a really good position for LTV. And if they wanted to borrow down more, they could. And that's kind of the secret sauce here. As the assets continue to appreciate, the line of credit that you can borrow gets larger and larger and larger. As long as you're using that capital in a intelligent way and you're not just blowing through it, you want to make sure that you have enough reserves or putting it something that cash flows enough to be able to cover service the debt on this stuff or at least setting it enough aside for the time frame that you think it's going to take to get to a position where you can refinance your loan. So again, you want to work with a financial adviser on this. I'm not giving you any financial advice and we are the only people that have access to the partners that we have to be able to get you the rates that we have and the ability to borrow against your assets inside of institutional custody over there at Anchorage.
So, we're going to estimate the annual interest cost based on the current interest rates. And as your XRP continues to perform with the market, you could, again, like I talked about, refinance this over the long term and invest the cash into real estate properties or businesses or other diversified holdings that are going to produce a higher interest rate than what you owe over here and you're going to live off of a portion that's the difference and be able to service the debt at the same time, mitigate tax implications, kind of have your cake and eat it too. Like that's the whole benefit here. Um, so again, we don't have a DeFi situation that we're able to advise on or provide people with, and we can do either the PLI, which is a longerterm deal and a bit more methodical, or you can use the short-term solution to be able to borrow against your assets inside of an LLC or trust.
So, but what I really want to get across to people is, you know, funding your lifestyle is great, but you should really looking at look at generating passive income or returns or cash flow with the money that you're borrowing here. The wealthy refinance things and pull equity out to continue to acrue other assets. People have built massive real estate portfolios using this exact strategy. Right? So, as the assets appreciate, interest rates come down. They're able to refinance that interest rate at a lower amount with more equity in the home. They pull that cash out. They go buy another one. And now that one cash flows, and you're continually aggregating assets.
So, I'm not telling you to buy more crypto, even though many people lever up and and do that. We advise people, you know, to look at cash flowing assets. And it might be like, let's say you, you know, one of my plans is I'm going to look at XRP as it appreciates. We're going to have some opportunities on some other digital assets that you'll be able to stake and earn a yield on or participate in some other return generating opportunities. And so I'll buy those assets and then participate in kind in those return generating opportunities. So now I get the upside of that asset. and it's spitting off enough cash flow to make sure I'm servicing the debt for my interest rates or my interest payments on the XRP plus the additional for my personal income. And that's the way that you want to continue to roll that, right? Like there's there's really three things you can trade for money. You have time, which is where most people are. You're working a job 9 to5 doing something, maybe you run a business, you're a small business owner. Next up is knowledge, right? So you might have a specific domain or expertise where you're able to garner a little bit more money. um the plumber that shows up and bangs on one spot and everything opens up and you pay him $500 for the 3 minutes that he's there. That's what the call is and he's able to solve that much faster than somebody else that doesn't have the knowledge or expertise for that. And then last but not not least is is your money. As you acrew wealth over time, you should be able to allocate that capital and put it to work in a way that generates more income for you and allows you to aggregate more assets. And this is what the wealthy do. Once you become wealthy, you should only have to get rich once. We, you know, look at diversification, hedging risk, but continue to acrue assets through smart debt. I know people, you know, think about debt and look at it in a negative light because that's just kind of what's been perpetuated through society, but debt is a tool and it is tax-free and it's a way that you can mitigate taxes in a very effective manner.
So again, you know, in closing here, the strategies that I'm sharing today come from hands-on experience structuring these arrangements for clients with sophisticated digital asset portfolios. And if you're serious about exploring borrowing strategies with crypto and you want to connect with others implementing similar approaches, I'd invite you to connect through the linked comment below where we discuss all of these concepts. We have over 9,000 people there in the mastermind and we're actively explaining wealth buildinging strategies in the crypto space. And if you want us to personally handle the process for you, you can also go to digitalfamilyoff.io, which is also linked in the comments below.
So, now that we've gone through the three different ways that you can do this, let's talk about structuring the debt repayments without selling the assets. One of the key questions is how do you service the debt? Like what's the catch, right? Well, you do have to do that. And one of the approaches involves using a portion of the borrowed funds strategically. So, some investors find annuities or other structured products that generate predictable income. the annuities are going to take at least a year before they're going to start paying out unless it's a lot of money that you're borrowing and you're going to put up more of that money inside the annuity versus, you know, using a lot of it for other things. So, you want to look again at income producing strategies that can help cover the interest obligations.
So, let's break this down. For an example, you borrow a million against your crypto. You might allocate $200,000 to one of these structured products or something else to be able to generate income. It might be a real estate property where you finance it and you know that the additional there is going to come back to you on a quarterly basis or a monthly basis and help you service that debt. You might also look again at some of the other assets out there that are producing monthly cash flows. If there's a yield bearing product on some of these digital assets, you might consider parking a portion of it there and getting the upside in that investment plus having enough to cover your interest payments. Or you could just park it and know that you're going to use that amount of money to be able to cover the interest for whatever the duration of it is and hopefully at the end of that term you can refinance the note and pull out more money because it will have appreciated. This could perpetually generate income to help you with the payments. Right?
So one of the other things that you can do for estate planning in in the infinite banking concept is reinsurance. And this is where the borrowing strategies can integrate with your estate plan. So let's talk about reinsurance. And this is where borrowing strategies can integrate with your estate planning. You could potentially structure insurance on outstanding cryptoback debt. Okay? So this is life insurance designated to address the loan obligations upon your death. So it could be a term policy that you pay small premiums to and you know if god forbid something happens to you, it covers the debt so that your assets aren't sold off or you could, you know, structure another type of insurance policy to make sure that that's covered. Uh, but the beneficiaries would then receive the assets without the debt being taken out of them because the insurance would cover and offset all of the interest and whatever you borrowed. So, if you had a $2 million crypto position, you borrowed a million dollars against it, you could get a million- dollar life insurance policy to make sure you're covering that outstanding debt. And the annual premium varies based on age and health and and policy structure. There's a bunch of stuff there, but that's one way to make sure that your your assets are not going to be sold off upon your death. And the advantage of this structure is that you've utilized your crypto during your lifetime, borrowing against it to be able to fund your lifestyle, investment, and other business ventures, and you're avoiding the immediate crypto tax gains and the obligations that you know you would have if you sold. Plus, your heirs will inherit the assets according to the estate plan without, you know, having to sell them off like we talked about inside of a properly structured PLI policy. You can integrate both of these things, but we see a lot of people just do it with, you know, borrowing against their assets in their LLC and then they'll get a term policy to make sure that they're covering that debt if, god forbid, something were to happen to them during that period of time.
So, let's run a cost analysis on this stuff. People often get focused on interest rates without considering the complete picture. Okay? Okay, so I know you know 9 to 15% today sounds daunting, especially if you're borrowing large amounts, but let's talk about the appreciation on the asset and how that plays into this. So I know the interest rates seem high, but let's compare it to the alternative. What would selling and paying the immediate capital gains be? Well, again, we talked about that even long-term capital gains can be 25 or 35% and you're getting this at the worst case at call it 15. So, and you're going to forfeit the future appreciation of the asset. So that's a huge loss on upside of the assets if you were to sell them, especially if you anticipate, you know, XRP or H bar or XLM or some of the other assets out there that are going to go to much much higher values over the long term versus what they are today, similar to what Bitcoin did over the last call it 15 years.
So let's let's give through let's walk through a couple scenarios, okay? Just to give you an idea of of what the differences are here. So scenario A, I sell a million dollars in Bitcoin and I would pay, you know, long-term capital gains. Let's say I'm in a state with no state taxes, $200,000. It could be a little bit more than that. It also depends on your income outside of what the capital gains are, but you know, just for easy math, we'll keep it there. So, you'd have $800,000 with of the projected gains, right? And that's if you bought at a dollar and it went to a million. So, you know, there's going to be cost basis and some other calculations in there. Uh the projected outcome depends on the investment performance. So, you're going to invest that other 800 grand and then it's going to also have more tax implications over the long term. Or you could leave it in cash and continue to live off of it after you've paid the taxes.
In scenario B, you borrow $800,000 against the million dollar in Bitcoin, which again, not quite feasible today because, you know, we're not at 80% LTV, nor would we advise most people to do that. But that would give you the same outcome with no taxes and you're still holding the Bitcoin and you get its performance over the long term. So, that's the whole premise here. You want to weigh this. Again, you want to talk to financial adviser, but the outcome would depend on Bitcoin's performance, the interest cost, how the borrowed funds performed after you borrowed them. If you did it this way, you would be able to maintain your optionality throughout the period of the loan instead of, you know, again, having buyer remorse for selling your Bitcoin. You could refinance it, you know, as rates continue to improve or come down over time. You can also add collateral during market dips to adjust your LTV and you maintain exposure to potential significant upside without having to deal with the tax implications. So the potential advantage is if your crypto appreciates substantially. I mean each percentage point of growth above the interest rate is an additional gain retained versus you know not having it and watching it continue to climb after you've sold or something significant happens and there's a big jump in price. You're going to be kicking yourself.
All right. All right. So, in closing here, the difference between lasting wealth with crypto and simply riding the volatility comes down to implementation. These strategies we're covering today aren't theoretical. They're being used right now by investors who understand that holding isn't enough. You need structure. You need protection. And you need a plan to extract the value without destroying the assets cost basis. Okay? And if you understand this, I mean this is what a lot again wealthiest families in the world Rockefeller method people that have implemented this exact strategy. Borrowing against appreciating assets is the way the wealthiest people in the world do this taxfree.
So if you're ready to move beyond just accumulation and starting to think more like an institutional investor, we bring together over 9,000 people who have actively implemented these strategies. At Digital Wealth Partners, we've worked with over 500 people that have actively implemented some of these strategies we're discussing in this video. Everything from crypto custody solutions to lending arrangements to LLD structures all the way to PLI. If you want to learn more about these strategies and how we put all this together, we talk a lot about it in the Beyond Mastermind, which is down in the comments below. There over 9,000 people there in the community that are learning about this stuff daily. And it doesn't matter where you're starting. If you are just a beginner in crypto or you're already a crypto millionaire, we have something for everybody in that group. So, we would love to see you there if that sounds cool to you. Just go on to the link below and use the code beyond broke all capitalized the number one and then M O like Mary Oscar get you the first month for two bucks to try it out and I think you'll like it.
In closing, I want you to remember the wealthiest people in traditional finance have used infinite banking for generations. They borrow. They never sell. They pass the assets onto their heirs tax-free and they continually compound the growth over multiple generations. This playbook is now available for digital assets and the infrastructure exists. The institutional partners are ready and the tax advantages are extraordinary. The only question is whether you will implement this before crypto appreciates to the point where you're forced to sell or trigger massive tax implications or you're going to join us and be positioned to be able to borrow against it. Keep the upside and keep building your generational wealth for your family. The choice is yours, but the window is closing and we're excited. The choice is yours, but the window to structure this correctly won't stay open forever. If you found value in this video, please like, subscribe, and we'll see you guys on the next.