CompyFi

Getting cash from your portfolio is this easy. No selling. CompyFi waitlist open now.

Don't sell stocks when you need cash. If you have a 50k portfolio you can borrow against that. Keeping your money in the market, growing at 9% while your loans interest is < than that. You'll get paid to borrow ... Just make sure your LTV stays healthy.

@darrelltalksfi What a lot of people don't know is this same strategy is available on your own taxable brokerage or home. Just be careful you don't borrow too much against it

“The wealthy avoid taxes because the system is rigged.” Wrong. The Buy, Borrow, Die strategy lets you borrow against your assets without selling them. No tax bill. Here’s how:

@zerohedge Terrible for Microsoft workers, I'm sure the shareholders will love it though

*MICROSOFT TO OFFER VOLUNTARY RETIREMENT TO 7% OF US WORKFORCE

SBLOCs are misunderstood and underutilized. They are one of the best tools you can use if you have a taxable brokerage account. Why sell securities when you can use them and still have them invested.

@CryptoMikli At $27M borrowing against the portfolio for the 1.5 would be the much better move

Caleb Hammer reveals this e-girl has more than $27,000,000 in stocks “You have $27 million in stocks, but it looks like you withdrew about $1.5 million in cash, potentially from this portfolio. 'I think that was for the private equity expense'” “Do you have someone that’s picking the stocks for you, or how do you go about it?” “My accountant will bring stuff to me, and then I have to approve it. They don’t just do it without me knowing. We usually have a discussion about it. But yeah, they’ll find stuff for me” “I like safe stocks. My personal knowledge that I’ve gained is just typically what I like to stick to, unless someone else older and wiser is like, hey, this is an opportunity. Stuff like Visa, like Shopify, things that aren’t going anywhere”

@TicTocTick Never sell, borrow instead. That's the key

More retardation. Investing is not salary. Not all years will give you 10%. Some years you will be down 30%. It’s all about time in market. I only wanna live off dividends and borrow against stocks, not selling stock!

@TicTocTick 200k in the markets Never sell it , get income from dividends And take an SBLOC when you want to buy that new car once your portfolio has grown

New Escalade now costs $200K. A 200K portfolio in utilities or energy stocks yields $600 a month in income! I have never seen such mass stupidity in my lifetime.

Becoming wealthy requires a mentality change: Don't view productive assets as temporary things, hold onto them forever. Stocks, real estate, Businesses Don't sell and get rid of them.

@KobeissiLetter Good for the shareholders... Get assets don't sell them and everyone can get in on this

Massive buybacks are coming to the US market: Buyback authorizations across the Russell 3000 surged +36% YoY, to a record $428 billion so far in 2026. Authorizations are now +176% above the same period in 2020. At a historical execution rate of ~90%, US corporates are now on track to repurchase a record ~$1 trillion in shares this year. In 2 weeks, the corporate buyback window will reopen following the earnings blackout period. This will bring an additional wave of demand for stocks at a time when the market is already experiencing a historic run. US corporations are set to be major buyers in the equity market.

@jimiuorio Borrow against it instead of selling, no tax on loan

Current capital gains tax rate is 29%…this level is absurdly punitive and self defeating. The most simple way to stimulate the economy is to stop this moronic travesty…

@unusual_whales None for the consumers that actually paid, but if you own stocks you'll get some refund in a way

The US government has set up a process to refundup to $166 billion in tariffs for companies, per Reuters

This is the exact kind of thing CompyFi is for. If billionaires can utilize this strategy and reap the benefits at prime rates, why can't the average person.

@aakashgupta A lot of people don't realize they can do the same thing with their taxable brokerage too. Margin and SBLOCs are available to most ppl, maybe not at same rates though.

The real cheat code isn't the $81,400 salary. It's what happens at the end. Bezos' base pay has been frozen at $81,400 since 1998. The 2026 Amazon proxy confirmed it last week. That number was 2x the US median male income in 1998. Today it's barely 16% above it. The payroll tax dodge is the smallest piece. Even at top marginal rates, it saves him maybe $40K a year. Rounding error. The borrow piece is bigger. An SBLOC from his private bank lets him pull cash against his Amazon stock at roughly the Secured Overnight Financing Rate plus a spread. Right now that's around 5%. No capital gains triggered. Loan proceeds aren't income. So he never sells, never realizes the gain, never pays the 20% federal plus 7% Washington or 13.3% California capital gains tax on hundreds of billions in appreciation. But here's the part almost nobody explains. IRC Section 1014. When he dies, his heirs inherit his Amazon shares at fair market value. The cost basis resets to whatever the stock is worth that day. Every dollar of lifetime appreciation, wiped from the tax rolls. So Bezos' cost basis on his earliest Amazon shares is roughly $0.075 per share adjusted for splits. Today the stock is around $220. That's a gain of roughly 293,000% per share. All of it disappears at death. The estate then sells a slice of the now stepped-up stock at basically zero gain, uses the proceeds to pay off every outstanding SBLOC, and passes the rest to heirs. Buy. Borrow. Die. He doesn't avoid income tax because his salary is low. He avoids income tax because the US tax code treats a loan against $200B in stock as "not income" and treats death as a basis eraser. Congress has introduced bills to repeal step-up at death in 2021, 2022, and 2024. All failed. The 2025 tax law explicitly preserved it and raised the estate exemption to $15M per person. The salary story is the distraction. The real subsidy is Section 1014.

@WallStreetApes Sure, you can get your own SBLOC and do the same thing with your taxable brokerage to avoid capital gains as well though. Not exclusive to billionaires.

This is how Amazon Founder Jeff Bezos avoids paying a personal income tax - For the last 20 years he’s had the same salary, $82,000 - He does this because a higher salary that would support his lifestyle would be subject to payroll and income tax, he doesn’t want to pay that - Instead all his money is in his stocks, those are never subject to any taxes as long as they aren’t sold - He takes out a loan and borrows against his stocks - The only money he’ll ever had to pay is the loan and interest on the loan This is common practice for billionaires so they avoid the majority or all of a personal income tax

@Cycle_Watcher Retail didn't get smarter. They got scared. Stay in. Let it recover.

Both Citadel and JPM noting a change in the behavior of Retail over the past month... "Today’s relief rally brings confirmation that the shift in retail behavior that we have observed over the past month is persisting: retail moved from ‘buying the dip’ (e.g. this time last year), to now skipping the dips, selling into rallies, and positioning more defensively, report. Overall, retail activity remained extremely subdued this week, driven by net selling in single stocks and weak ETF purchases. Even more so today, despite oil posting its largest decline since 2020 and VIX breaking below 20, intraday retail flows showed no signs of strengthening." (JPM) "The most notable change has been a decisive rotation into puts. Over the past two weeks, total retail put activity has surged to the 99th percentile relative to all other 10-day trading periods since the start of 2020. Call activity has simultaneously fallen into the 70th percentile (in just the 13th percentile versus the past 1 year). This divergence culminated in a rare inflection point on April 2nd, when more puts than calls were traded by retail at Citadel Securities – only the sixth such occurrence in the history of our platform." (Citadel)

@BoringBiz_ The job was built on information asymmetry. Not knowing you could borrow against your portfolio instead of selling. Not knowing how to never trigger a taxable event. That gap is gone. You just need to know it exists.

Financial advisors watching AI take over their job that they were overcharging clients for

@MoneyWisdom_ Naval nailed the concept. Most people apply it to assets. Almost nobody applies it to access. The wealthy don't just compound money, they compound liquidity. Borrow against the stack, let it keep growing, never break the chain.

"All benefits in life come from compound interest, whether in money, relationships, love, health, activities, or habits." — Naval Ravikant

@The_MMW The key is conservative risks. Map out the expected returns. Use leverage to your advantage.

If you avoid risk, you avoid returns. Take calculated risks often.

@GuyTalksFinance Keep buying. Never sell. And when you need cash, borrow against it.

The S&P 500 makes it possible for everyone to become a millionaire. Just keep buying.