💰 The Buy, Borrow, Die Strategy
A wealth-building strategy used by ultra-high-net-worth individuals to grow wealth while minimizing taxes.
1. BUY 📈
Invest all capital in long-term appreciating assets (stocks). Never sell.
2. BORROW 🏦
Use margin/line of credit for living expenses instead of selling stocks. Avoid capital gains tax.
3. DIE ⚰️
Heirs get stepped-up cost basis, wiping out unrealized gains. Loan repaid from estate.
⚙️ Scenario Parameters
⚠️ Disclaimer: This tool is for educational purposes only.
The Buy, Borrow, Die strategy involves significant risks including margin calls,
interest rate changes, and market downturns. Consult a financial advisor before implementing.
📈 Wealth Projection Over Time
📋 Year-by-Year Breakdown
| Age | Year | Portfolio Value | Annual Borrow | Total Debt | Net Worth | LOC Usage |
|---|