the rich don't work harder than you they just use money differently now most people invest once but the 1% they use the same dollar three five and even 10 times without working more I know because I've been on both sides I built multiple businesses sold them and put everything into real estate at 28 years old thinking I was set for life but when the 2008 great financial crash happened I lost almost everything that's when I learned the hard way how the wealthy actually use money and once I applied their strategies my wealth grew five times even 10 times faster so today I want to show you exactly how they do it so you can start stacking your wealth just like the top 1% I'm going to break down the math I'm going to show you real world examples that you could do this year to make 500% more on your money with just three simple moves and by the end you're going to see exactly why most people stay broke while the top 1% keep getting richer now this is is not about working harder it's about using your money differently but before I show you the system you need to understand the three money mindsets because if you don't get this part right you'll never build lasting wealth so let's go okay most people follow the same broken formula for money because we've all been taught the same wrong things you know go to school get a good job save for retirement you know for 40 years and then hope that there's enough money to retire one day well unfortunately we can see that this doesn't work because today half of the Baby Boomers that are facing retirement have no savings and of those that do the average balance is just about $100,000 now $100,000 is not going to be enough to retire the problem that's not how the 1% build wealth the traditional model tells you you know to work hard save money invest in in your 401k you know invest in your house which sounds smart right that's what Dave Ramsey tells us but here's the problem your money only does one job you put a dollar into the stock market it's locked up you buy real estate the money is tied down until you sell the house but the rich they don't let their money sit they put it to work in multiple places at the same time that's why they get rich faster and they stay Rich longer now if you're only using your money once you're already going to be behind mind it's why most people spend their entire lives working only to end up broke anyway now let me show you why that happens and how the 1% do it differently okay so here's what most people don't realize it's not how much money you make that matters it's how you use the money now you can make $10 an hour you can make 10,000 an hour and if you have the wrong money mindset you're still going to end up broke because at the end of the day there are really just three types of people and only one of them builds lasting wealth now the first group is the poor mindset group and they see money as something that they need just to survive right they work they get uh paid and then every dollar they make just disappears immediately and that's just to cover their rent their food and their basic expenses and then the way they use credits differently because when they don't make enough money then they rely on credit just to survive now the problem with this is it creates a permanent cycle because every month there's starting at zero or Worse they're falling further into debt now this isn't an income problem it's a money mindset problem because even if they suddenly make more money they'd still be in the same trap spending every dollar as soon as they get it now the second group this is what I call the middle class mindset and it's different all right but it's it's just as dangerous now they don't think about wealth they think about comfort and here's why this is dangerous no matter how much they make they're still stuck because every time their income increases their spending increases with it this is why 60% of those making a $100,000 salary report still living paycheck to paycheck they look rich but they have no real wealth all right now the way they use credit is also different as well so they use credit to increase their Lifestyle by the bigger houses by the bigger cars all right now that we understand that let's talk about the third group all right this is the wealthy mindset now now these are the people who actually build wealth instead of just looking like they have it the biggest difference they don't work for money they make their money work for them so how do they do that well they don't make money to pay for their living expenses instead they make money to pay for assets and they use the assets to then pay for their life right so it's a different way to do that now what happens is these assets appreciate over time and they can be leveraged into more wealth and allows those Investments to pay for their lifestyle and the way they use credit is completely different as well they don't use credit because they don't have the money or they can't afford things they use credit because it's cheaper to use somebody else's money than is their own now you can see that the way that they use money and the way they think about money and the way they use credit is completely different which is why they end up in a different place now I tell you all this because if you want to build wealth in layers like the 1% then you have to understand one thing because we're going to be using debt we're going to be using leverage to build wealth and that means that you have to have the right mindset if you're still thinking about credit the way a poor or middle class mindset does as something you know to avoid then you're never going to be able to use money the way the wealthy do but if you start thinking like an investor if you start seeing credit as a tool not a trap then you'll finally be able to unlock the true power of wealth building all right now let me tell you how I learned this the hard way first and then I'm going to break down the math all right now I had to learn this the hard way and I don't want you to um because I didn't even I didn't always understand this in fact I learned the really hard way now back in 2008 I thought I had it all figured out I'd built up a couple businesses I had sold a couple businesses I made a lot of money I just turned 28 years old I thought I was set for life so I did what I thought the wealthy did right I took all the money and I poured it all into real estate now I was in Southern California I was fully invested into the market and I thought I was pretty smart I had like a 65% loan devalue ratio which I thought was pretty safe I had the properties I had the leverage I had the plan and then the market collapsed what Mike Tyson said everyone has a plan to they get punched in the face and I got punched in the face overnight my property values collapsed I had a few big developments that were going on at the time I was trying to sell those and they fell through and I had mortgages to pay but here is the real kicker I had sold my businesses so I had no active income so that same leverage that had made me feel rich was now squashing me now I remember sitting there I remember staring at my numbers realizing I can't afford this but I was stuck I had tens of millions of dollars of real estate but I was broke everything I had worked for was slipping away and it took years to unwind everything to get everything dealt with with the banks and then I swore that I would never touch credit again and maybe I don't know five six years I did everything in cash I refused to borrow I told myself you know Leverage is too risky and for a while it felt safe right but here's what I didn't realize at the time I wasn't actually Building Wealth I was just avoiding risk now my business luckily was making plenty of money but I was still stuck in that scarcity mindset so instead of making my money work for me I was playing defense but then one day as I was always invested into my own education I joined a highle mastermind group I met someone who completely changed the way that I thought about money and he showed me how the wealthy actually used leverage and that's when I saw it i' had been doing it all wrong I had thought about it all wrong see I wasn't supposed to take on debt to buy assets I needed to structure my wealth in layers I needed to build cash flow I needed to learn how to leverage it correctly and then I had to learn how to make every dollar do multiple jobs now look I don't look back with any regrets of that today all right because I believe that uh unfort we only learn from our defeats and our mistakes and it's because of that experience the pain of 2008 the crash um that's why I make these videos today now during that time I vowed to myself I vowed to my wife that we are never going to get caught off sides again so I spent the next decade studying Financial system macroeconomics and how the wealthy actually build and protect their wealth I invested hundreds of thousands of dollars into my own education my mentors the masterminds because I was never going to let that happen to us again in and that's why I started making these videos to help you learn from my mistakes and avoid the same pain I went through so now let me show you what I learned and how you can structure your wealth just like the 1% all right so you know why the traditional system is broken you know why most people stay stuck and you know the wealthy use money differently so let me show you exactly how they do it now remember we talked about the wealthy mindset and how they use their income to buy assets and then they leverage credit strategically instead of fearing it right now that's important because this en entire system that we're going to break down is built on that mindset so if you think about credit like the poor or the middle class does as something to avoid then you're never going to be able to build wealth the way the 1% do but when you learn to control leverage every dollar you earn can do multiple jobs like the wealthy and here's how they do it they don't just invest randomly again they build it in layers by stacking assets strategically Ally so their money moves it multiplies and it never sits idle now before I break all this down understand this this is not a one-size fits all system all right you don't need to use every single layer right away some of you might already have you know one or two of these in place others might be starting you know completely from scratch some of you may not even like the layers I suggest and you can make your own but the goal here is simple make every dollar work multiple times in different ways all right so these are the layers that I person personally use and I recommend but again don't use these use them whatever mix and match them however you want but this is what I do okay so we start number one with layer number one which is the foundation which is liquidity now this is where most people get stuck they don't have a system for stacking their money right that's actually why I built the wealth engine assessment to help you see exactly how many jobs your dollars are doing and where you can optimize because if your money is only doing one job right now you're already behind now if you want this wealth assessment you can grab it for free I'll put a link down in the description down below just use it uh do a test it'll show you exactly how to map this out but let me show you how I do this let's start with the base layer so for me layer number one is life insurance so let me just go ahead and lay that out here now the first thing the wealthy do differently is they don't keep cash in a bank why because it does two things your bank never will first it compounds taxfree over time second you can borrow against it without stopping the growth now most people don't realize this but when you put money in a bank the bank immediately lends it out to make money off of you meanwhile they pay you almost nothing but the wealthy of course they flip the script and they store their cash in a properly structured life insurance policy where it earns interest and they can borrow against it now let me give you an example of how the 1% do this so let's say that you have this life insurance policy and you put let's say $100,000 into this account okay that's a high cash value value life insurance and it's let's say it's compounding at 5% per year so I'm going to put it in there and they're going to pay me 5% a year now it's compounded at 5% a year and that is tax-free all right now then what can happen is I can borrow I can take that $100,000 out and I would borrow and I would pay 5% to borrow it now you might go wait a minute if I uh borrow if if I'm earning 5% but then I borrow it 5% like isn't that a wash well no not even close because let's say let's say I borrowed this uh for a for a car $100,000 car uh so let's say over a six-year loan let's say um times 6 years or 72 months let's say well let's let's do the math and see what actually happens during this time what I would pay interest this 5% on the 100,000 is about $1,955 so let's call it $16,000 all right but during that same time period this earning 5% compounding on the 100,000 is 34,9 so you can see that's quite a bit difference as a matter of fact the difference is my positive difference here is about $8,000 that I'm making positive during this time even though I'm earning 5% and I'm borrowing 5% and the reason why is because of the law of compounding so the five the 100,000 is compounding every year while the loan is getting paid down and while that sounds cool that's not even the crazy part yet right if you had this extra $118,000 now over the life of the loan and you put it into an account and it continues to compound at 5% let's say over 20 years that turns into some real money as a matter of fact that turns into $ 47,9 almost $50,000 which is more than some people save as a matter of fact as I said most baby boomers today don't even have any money saved and you can do that just by one simple trick of putting the money in first taking it back out buying whatever you going to buy that alone could get you $50,000 now what would you do with this money well you can do all types of things you could invest it into real estate you could invest it into uh Bitcoin you could invest it into businesses or whatever we're going to talk about how you can layer that next okay so now that we've got layer one taken care of and now that we have liquid let's talk about the next wealth layer and for me that's real estate so let's go ahead and put that out here so now we have Layer Two real estate and let's break down the math of how this works for a second because most people don't understand this now of course the wealthy love real estate but it's not for the reasons that most people think they don't just buy houses they use real estate as a financial tool to build wealth through leverage and most importantly tax efficiency now why is Real Estate so powerful because it builds wealth in multiple ways at once so the first way is we get cash flow so we buy the piece of real estate and it generates cash flow rental income number two we get the appreciation so the property is going to go up over a long period of time number three we get leverage we get loan leverage so we can buy a property for 10% down or 20% down but my favorite one the wealthy favorite one most people don't even think about they don't even understand is the tax advantages it's depreciation it's the ride offs this is why the wealthy get richer because their money is working in multiple ways at the same time and this is where leverage becomes a game changer because this is where the layered stacking begins so let me give you an example of how the wealthy Ed leverage in real estate so let's break it down okay so we first started with $100,000 in layer one and we put that into our High um cash value life insurance policy right and and and we're getting compounding at 5% then we take that 100,000 back out we don't let it sit there we borrow a against it and we use that money now let's say the1 100,000 as a down payment on $500,000 worth of real estate so that's $200,000 so we take the 100K that we got from our life insurance and we put it into uh an apartment complex or a series of houses or whatever worth about 500k let's say right that's 20% down all right so now we have the money doing two jobs one job over here in life insurance the second job over here in real estate that's pretty good right this is the first $100,000 now over here in the Life Insurance layer one it's still compounding right so just during the time of this let's call it 20 years during the life of this that money compounding is going to add 47k right here just because I left it there in the meantime while I have also have the house now think about that 47k on my 100,000 that's almost a 50% return right there just by having to do the second job all right second over here we have this $500,000 property and the tenant are paying down the real estate loan for me and it's giving me cash flow it's giving me Equity growth at the same time also the properties going up in time now we don't always plan for appreciation but of course it's going to appreciate um let's call it super conservative let's say it's going up at 3% a year okay so 3% a year um what happens is now at 500,000 let's say times the 3% over the 20 years means that this property is now worth $93,000 that means that if we take the the new value 900,000 divided by the 500,000 means My Equity is now $43,000 on the original $100,000 I put in that means I've now made a $ 400% Roi so over here my $100,000 is sitting here and I've earned 47,000 over here that's about a 50% return and then I took that $100,000 put it over here into this $500,000 property growing at 3% and it's made me a 400% % Roi not to mention the cash flow that I've made over time not to mention the equity that I've gained all o over all time but we are still not done because not on top of all this you also get up to 500,000 in tax writeoffs even against W2 income if you structure this correctly so let's say that you're uh a 35% tax bracket that's about another $175,000 of tax savings that you get so let me total all this up for you let's uh let's think about this real quickly okay so let's total this up so we can compare let's compare two different people so uh person one over here has their $100,000 all right person two over here has a $100,000 okay now uh over here person one saves the 100,000 all right over here person two stacks so let's just put that here person one saves person two stacks now option one I leave the $100,000 in savings the final balance times let's say 20 years is uh you know earning at what 0.5% interest uh ends up with about $110,000 good job so we went from 10,000 to 110,000 so we made about 10K over 20 years okay option number two over here option number two does uh something a little bit different number one they stack their wealth in layers so they first put the 100,000 into a life insurance policy number one then that right there makes them about 47k number two they take that same 100,000 and put it down into $500,000 of real estate okay and then with the appreciation they get about 400k from that all right then they get the tax savings in the write off so let's just say at a 35% tax rate they're going to get another $170 5,000 in tax breaks right there so we'll add that up here $175,000 so now the total wealth created here is $612,000 so person one saved the money they made 10,000 person two the same money the same dollar the same 100,000 ended up $612,000 it's a pretty big difference this is why wealth isn't built by working harder it's built by using money the right way and we're still not even done all right that's only two layers imagine three layers five layers imagine 10 layers all right next let's add another layer I'll show you what I like to do now what's your best move from here where should you be stacking if you don't like these well that's exactly what the wealth engine assessment that I put together is for it helps you figure all this out so you're not just guessing your way through wealth building so go ahead and grab the wealth engine assessment for free there's a link in the description right now it's going to show you where you're at today it's going to show you how fast you can hit your Financial Freedom number all right but now uh now that we've stacked our whole life insurance policy and we've now stacked it into Layer Two which is real estate let's take it to the next level let's take it to level three which for me that's Bitcoin all right now most people buy Bitcoin the wrong way they treat it like a lottery ticket they uh you know hope that the price is going to go up so they can cash out for a quick profit the wealthy they don't sell Bitcoin they hold it and they hold it forever because just like real estate and life insurance it's not the asset it's also a financial tool now why is Bitcoin so powerful in this way well one Bitcoin is a scarce asset right there's only 21 million that's ever going to exist number two it's it's a high growth investment bitcoin's outperformed every other asset class over the last decade uh three it's easily uh something that you can just borrow against all right you can take a a low interest Bitcoin back loan without selling your Bitcoin and this is exactly how the wealthy multiply their wealth with Bitcoin okay so here's how we keep stacking our wealth layers all right so let's go back to the Stacked example okay so number one over here we had the life insurance right with 100K in it Le level two we had real estate right and now we have about 500k in real estate here all right and then level three we're going to put some Bitcoin here Bitcoin right there all right now remember we started with 100K in the whole life insurance right we borrowed against that to get the 500k in real estate now now remember um as that grew as that appreciated it gave us 400,000 in equity it gave us 175,000 in tax depreciation and writeoffs meaning that we earned more income to invest into Bitcoin if you don't have to pay tax on your income because you have write offs that gives you more money to invest into Bitcoin right so instead of spending that 175 we can invest that 175 in tax savings into Bitcoin now let's say that Bitcoin Gres up by 25% a year for the next 20 years now that number is half of its most recent like 5year uh average so it's half of that so I'm trying to be conservative here so let's say that it goes up that 175 goes up at 25% a year for the next 20 years times 20 years that number ready for it is going to be 15.1 18 million all right now we can borrow against that so let's say that I borrow at a 50% loan to value which means means I can pull out about 7.5 million and uh total interest paid on loans let's say that's at um 10% interest per year so that's about you know 1.5 million in an interest that I'm going to have to pay now that's even after borrowing against it the Bitcoin is still growing exponentially versus if I had sold it right so now instead of just holding Bitcoin we take the borrowed money the 7.5 and we reinvest that over again so we can go to a fourth layer where do we go well we can go into real estate uh and that gives us more tax write offs so we don't have to pay any more taxes we can invest it into businesses we can invest it even into more Bitcoin okay this is how the wealthy play the game they layer the assets it compounds the wealth they write off their taxes so they keep more money and they keep that money in motion now you can see how powerful this is right and we've only stacked three layers so far but the real secret the wealthy don't just do this once they do it over and over again with all different types of Assets Now in five years that same dollar could be doing five jobs easy 10 jobs even 15 jobs each one compounding your wealth faster and faster I mean this is the real money game here you keep stacking you keep multiplying and then you just watch how fast you can escape the rat race and once you've got the system running the next wealth layer is business ownership because now you're in a position to create a high cash flow business that keeps feeding this system so you never run out of capital to invest all right now again that's why I created the wealth engine assessment to find out what's your number now it's a free tool that can help you measure your wealth building potential see how fast you can hit that Financial Freedom number and it's going to calculate where you're at today what layers you need to add next it's going to give you a clear path to start tracking assets and multiplying your money and it includes a free training video where I'm going to break it all down step by step by step okay like I said you can grab it all for free there's a link in in the description down below but remember wealth isn't just about how much you make it's about how many jobs your money is doing for you so start stacking keep compounding and uh I'll see you inside the training