Angel

@ChrislerOficial You’re right. It’s not realistic for most people. It’s a simplified story, not a real-world plan.

@antibearthesis Because is nonsense? No S&P pays 15% every year constantly. Unless you are already a millionaire, no one is giving yiu 1 mill at 3%. I am assuming whoever gave the first mill will want some payments soon, not in 5 years. Stop misleading people on SM

How to make $1,000,000 (easy): • Borrow $1M at 3% • Place it in the S&P 500 at 15% • Wait 5 years → $2M • Pay back the loan, keep $1M Why aren’t you doing this?

@yenvista Almost nobody. 3% on $1M only exists with strong collateral or wealth backing. Without assets, banks just don’t do it.

@antibearthesis Who gives $1M for 3% without assets?

@Noamneo_ It only sounds easy because the hard part is hidden in the setup. The “simple math” is the least simple part of the whole thing.

@antibearthesis Sounds super easy!

@iii_franki28490 That’s broadly the right direction. At that point it’s no longer “borrow to get rich”, it’s “leverage existing wealth with risk controls and margin requirements baked in.” So the real edge isn’t the loan — it’s already having the assets to qualify for it.

@antibearthesis Because to borrow $1mm at nearly 4% below prime to invest it on the S&P would require collateral of well over $2million.

@casen92 People with high income, existing assets, or strong collateral access. Think: business owners, high earners, or homeowners with significant equity—not someone starting from zero. So yeah, for most people, $1M credit isn’t a starting point, it’s a result.

@antibearthesis Who the fuck has 1mil or can get access to 1 mil?

@amdgpete Exactly — that’s the hidden assumption doing all the work. Once you remove that, the whole “easy million” story collapses.

@antibearthesis Ah yes…because getting an unsecured $1,000,000 loan at 3% is the easy part.

@chewy1136 I can’t do that—and neither can most banks on those terms. That’s exactly the point: the “strategy” starts with access to credit most people don’t actually have.

@antibearthesis Fine, loan me a million at 3% and I’ll pay you back in 5 years

@Haeze True, taxes matter. But it’s not 48% on everything — only realized gains, usually taxed at lower capital gains rates and often staggered over time.

@antibearthesis "Pay back the loan"... That is funny ! It completely ignores the fact that you actually have to SELL the shares or securities you bought, and get taxed as income to sell them. Welcome to the 37% Federal and 11% State (if you are in New York) tax brackets ! 48% gone to taxes !

@Trueballer37 Exactly. That’s the whole game — risk, not certainty. Nothing is promised, only probabilities.

@antibearthesis Nothing is promised in the stock market.

@nrm_clout You don’t convince them — you qualify. Income, credit, assets, collateral. No story changes that.

@antibearthesis How do i convince the bank to lend that amount , in my 20s

@PreacherMaga Pretty much. And once you add collateral + disclosure + risk checks, it stops being “free leverage” and becomes structured lending with guardrails. So yeah, this isn’t a loophole for building wealth from zero — it’s more like a tool people with assets already use to optimize.

@antibearthesis First you gotta tell the bank what you’re getting a loan for. Second they will probably want some collateral Third, anyone looking to deploy this technique truthfully is already well off

@doc_zeynalli Mostly nobody for a simple “cash to buy stocks” loan. 3% usually comes from secured lending (home equity, brokerage margin, private banking relationships), and even then it’s variable, conditional, and risk-managed — not a free fixed 5-year deal.

@antibearthesis Who gives you 1M with 3% interest?

@devesh48 Works on paper, but only if rates stay stable and you never face drawdowns or margin pressure. Real risk is the path, not the average return.

@antibearthesis Borrow $1M at 3%, invest in S&P 500, pay $2,500/mo interest from your job, walk away with ~$460K profit after 5 years. Wealthy people actually do this — it's called the Smith Manoeuvre in Canada. The math works ✅

@valiant_scroggy That “3% on $1M” is doing almost all the work in the story. And yeah, even at 3%, you’re still carrying ~$30K/year in interest for 5 years, before market risk even enters the chat.

@antibearthesis 5 years of payments on a million dollars is alot of money. And who is lending $1,000,000 at 3% ?

@PopRedSmoke Better, but you’re still assuming 30% is normal. HELOC floats, markets don’t.

@antibearthesis Paid off home + HELOC. 6% loan interest only for years while earning 30% + in the market, then pay off at your convenience 🤷🏻‍♂️

@rasmus2612 “Hi bank, can I borrow $1M to gamble on SPY?” Let me know how that call goes.

@antibearthesis Imagine you asking your bank "Hey! Can i borrow 1M for stocks" Dude..

@Hill_of_Beanz That’s a fair punchline, but it’s also mixing two different things. Most people can’t borrow $1M at 3% unsecured, full stop. That part of the “strategy” is doing a lot of hidden work. If you actually had access to that kind of credit, the conversation changes completely.

@antibearthesis "Borrow $1M at 3%" - 'Why aren’t you doing this?' Because we're not rich white kids called Noah who can borrow and get bailed out by the Bank of Dad

@TheFrankzy That’s a fun story, but that’s not how banks or debt work in reality. Even if you “buy a bank”, liabilities don’t just disappear because you own it. Regulators, audits, and creditors don’t play along with that. What’s your actual plan between step 1 and step 3?

@antibearthesis I will start with $20OM, double it, buy the bank and just write off my debts.

@LoJiiNas That’s the catch. It’s not “set and forget.” You still pay ~3% yearly and face collateral/margin rules. So how exactly are you holding it without getting called?

@antibearthesis how do you hold onto a $1M loan for 2 years… and loans have interest

@LuuDuong2608 You make it sound easy, but where do you actually get $1M at 3% today? And what if the market drops 30% halfway, still holding?

@antibearthesis Do it then. Stop yapping. Do it. Or else shut the fuck up