Justin M

🚨 🚨 BREAKING NEWS: THE US SENATE BANKING COMMITTEE HAS PASSED THE MARKUP FOR THE CLARITY ACT.. ✅️ 📃 🇺🇸 15 -YES 9 -NO 2 DEMOCRAT SENATORS CROSSED PARTY LINE AND VOTE YES.. BOOOOOOM! 🔥 🔥 🔥 🔥 🔥

You can take $250K from the banks, buy $250K in gold bars, store them in a private vault, and use the gold as collateral to borrow ANOTHER $200K from a different bank at 4% interest that you use to pay off the original 0% cards You now have $200K in cash, $250K in gold, and your only debt is a 4% collateralized loan against an asset that has gone up every single year for 24 straight years This is how billionaires avoid taxes and it works at any scale Here's the chain: Step 1: Stack $250K in 0% business credit. Standard play. 6 banks, bureau sequenced, 11 days Step 2: Liquidate $242K (after processing fees) into your business checking Step 3: Buy physical gold. Not GLD. Not a gold ETF. Physical gold bars and coins from a dealer like APMEX, JM Bullion, or SD Bullion. At current prices ($2,300/oz) that's roughly 105 ounces. About 6.5 lbs of gold. Fits in a shoebox Ship it to a private vault (Brinks, Loomis, Delaware Depository). Storage cost: $150 to $300/year for this amount. The vault is insured. Your gold sits in an allocated account meaning those specific bars belong to you, not the vault company Step 4: This is the magic part. Take your vault receipt showing $242K in stored gold to a bank or private lender. Apply for a Securities-Based Line of Credit (SBLOC) or a collateralized precious metals loan. Multiple lenders offer this: banks, credit unions, and specialty lenders like Vaulted or BOLD They lend you 70 to 80% of the gold's market value. 75% of $242K = $181,500 Interest rate on a gold-collateralized loan: 3.5 to 5.5% depending on lender and LTV. Call it 4.5% You now have $181,500 in cash from the collateralized loan. Use it to pay off $181,500 of the original credit cards. Remaining credit card balance: $60,500. Pay that off over 6 months from income or savings What you now own: $242K in physical gold (in a vault, appreciating) $181,500 in collateralized debt at 4.5% (interest-only payments available) $0 in credit card debt All original credit lines still open and available Interest-only payment on $181,500 at 4.5%: $680/month "$680/month for what?" For holding $242K in gold that historically appreciates 8 to 12% per year. Gold has had a positive annual return in 20 of the last 24 years. It returned 13% in 2023. 27% in 2024. It's up 23% year-to-date in 2025 If gold returns 10% this year, your $242K in gold becomes $266K. You made $24,200 in appreciation. Your interest cost on the collateralized loan: $8,160/year. Net profit from the spread: $16,040 You're being paid $16K/year to hold gold that the bank's money bought And here's where the tax play comes in. This is the part that makes accountants get emotional You NEVER SELL THE GOLD. If you sell it, you pay capital gains tax (28% on precious metals, the highest rate for any investment asset). Instead you borrow against it. Loans are not taxable income. When you borrow $181K against your gold, the IRS doesn't consider that income. It's debt. Even though you have $181K in cash from the loan, your tax bill: $0 This is the same play billionaires use with stock. Elon Musk doesn't sell Tesla shares and pay 20% capital gains. He borrows against them at 2 to 3% interest from Goldman Sachs. He gets cash. Pays no tax. The shares keep appreciating. He borrows more against the higher value. Repeat forever You're doing the identical play with gold instead of Tesla stock. Bought with bank money instead of PayPal founding shares. At 0% initial cost instead of whatever Elon's cost basis was The perpetual loop: Year 1: Gold at $242K. Borrow $181K at 4.5%. Use cash to pay off credit cards and live Year 2: Gold appreciates to $266K. Refinance the collateralized loan at 75% of new value = $199K. Pay off old loan ($181K). Pocket $18K cash tax-free. New loan interest: $746/month Year 3: Gold at $293K. Refinance again. Pull out more cash. Loan gets larger but so does the collateral Year 5: Gold at $355K. Collateralized loan at $266K. You've pulled out $85K in tax-free cash over 5 years from refinancing against appreciation. Paid $0 in capital gains. Gold is still in the vault. Still yours The $680/month in interest is the only real cost. And it's deductible as investment interest expense if you itemize. At a 37% tax rate that $680/month costs you effectively $428/month after the deduction $428/month for a self-funding gold position that generates $16K+/year in appreciation and unlimited tax-free cash access through collateralized borrowing "What if gold drops?" If gold drops below your loan-to-value threshold the lender issues a margin call. You either deposit more collateral (more gold or cash) or they liquidate enough gold to bring the LTV back in line. At 75% LTV, gold would need to drop 25% before a margin call. Gold hasn't dropped 25% in a calendar year since 2013. And even then it recovered within 18 months The chain again: Chase lends you $250K at 0% You buy gold You borrow against the gold at 4.5% You pay Chase back with the gold loan Chase got $0 in interest The gold lender gets 4.5% (tax deductible for you) The gold appreciates 8 to 12% per year You never sell the gold so you never pay capital gains You borrow against the rising value tax-free Repeat until you die This is how generational wealth works. Not by earning income and paying 37% tax. By acquiring appreciating assets with borrowed money and borrowing against those assets instead of selling them. The tax code was written for this exact behavior the IRS taxes income. the IRS taxes sales. the IRS does not tax loans. borrow against everything. sell nothing. the billionaires figured this out 50 years ago. you can do the same thing with a credit score and 105 ounces of gold in a vault lmfaooo (we get 700+ score business owners $100K-$250K in 0% business funding. what you buy with it and how you structure it is between you and your accountant. link in bio)

🚨 OMFG XRP ARMY - TIMING IS EVERYTHING! 🚨 David Schwartz (@JoelKatz) - original XRPL architect - just got named Honorary Board Member of the XRPL Foundation TODAY… 🤯🤯 Remember what he dropped literally ONE WEEK AGO? 👀🗣️ “We’re going to move on to retail at some point.” HE’S NOW IN POSITION TO HELP MAKE IT HAPPEN. Enterprise infrastructure first > Retail explosion next.💥 Just like the early internet: big players build the rails… then everyone gets on board. This isn’t coincidence. This is acceleration. 🟢 I’ve never been more bullish on $XRP in my life. 🔥☺️ XRP Army - are we witnessing the setup for the big one? Drop your thoughts below👇 #XRP #XRPArmy

Hitting 160k in Vegas baby.

Great hit on $10

Nothing like hitting a Grand Jackpot on a $5 bet. youtu.be/97c7drysi9o?si… via @YouTube

Nice hit on $10 bet. youtu.be/fcsPL3clads?si… via @YouTube

@SuraciLinda follow @MorroniJackpots

Hell yeah. Lets goooo!!!

Today is Day 62 of the IRS operating illegally without a statutorily-mandated IRS Commissioner.

🚨XRP TO $1,000,000!!! (THIS IS CRAZY!)🚨 Quincy Jones, an XDC & R3 Corda Developer, just explained how XRP could theoretically reach $100… $100,000… or even $1 MILLION, depending on how many assets are issued on the XRP Ledger.😳 If you own $XRP, you NEED to see this!👁️ #XRP #Ripple #Altcoins #Bitcoin #Crypto BTCC ($100 BONUS & MORE!) 👉 btcc.com/market-promoti…

Ed Krassenstein needs to be jailed immediately.

Mass cancellation of @DisneyPlus is necessary and required. #CancelDisneyPlus PLEASE RETWEET

@Samsonthegoat25 Knew that shit was fixed.

Bullshit. We all know it’s true.

Long story short.. My 87 years old father went to a cardiac arrest, I was able to save him & get his pulse back.. Now, heading to the ER to be with him.. Please pray for my Dad.. 🙏 🇺🇸

Fifty has a point... 50 Cent says, "My son Marquise is 27 and still asking for child support. I give him $10,800 monthly, but he says it's not enough." "Success cost me my relationship with Marquise. At 27, he should be ashamed to ask for child support. He thinks being 50 Cent's son means he doesn't have to work. I offered to set up a business for him to earn $1 million a month, but he refused. He has an entitlement mentality, thinking my money is his. It hurts to see him so irresponsible. I keep saying this publicly, hoping he'll be ashamed and start working. No matter how rich you are, never let your kids feel your money belongs to them."

💥BREAKING: 🇩🇪Deutsche Bank is upgrading global payments using Ripple tech alongside Swift.