Скачать или смотреть Why Rich People Don't Use Banks (And What They Use Instead)

You keep your money in a checking account earning 0.01% interest. Meanwhile, wealthy people keep their money in accounts earning 8-12% annually. You use regular banks. They use private wealth management, trust structures, and borrow against assets instead of selling. You're playing checkers. They're playing chess. And today I'm showing you exactly what the wealthy do differently—and how you can start doing it too.


Topics Covered:
The checking account scam: 0.01% vs 4-5% high-yield savings (you're losing to inflation)
Private banks: $5M-$10M minimums, dedicated relationship managers, exclusive investment access
The "Buy, Borrow, Die" strategy: how billionaires never pay capital gains tax
Borrow at 3%, grow at 8%, die with step-up basis (wealth transfers tax-free)
Family offices: $50M+ = your own wealth management company
Trust structures: Dynasty trusts, ILITs, asset protection (protecting wealth for generations)
Offshore accounts: legal tax optimization in Switzerland, Singapore, Cayman Islands
Why wealthy never sell assets (they borrow against them instead)


6 strategies you can use NOW even without millions

The Buy, Borrow, Die Strategy Explained:
Step 1: Buy appreciating assets (stocks, real estate).
Step 2: Never sell (borrow against them at 2-3% interest instead).
Step 3: Assets keep growing at 8-10% while you use borrowed money tax-free.
Step 4: Die and heirs inherit with step-up basis (all gains tax-free forever). This is how generational wealth stays intact.
What Wealthy Actually Use:

High-yield savings as "checking" (4-5% vs 0.01%)
Private banks (JP Morgan Private, Goldman Sachs, UBS)
Securities-based loans (borrow against portfolio at low rates)
Family offices (entire companies managing their wealth)
Dynasty trusts (wealth protected for generations)
Offshore optimization (legal when reported properly)

6 Strategies You Can Use Today:

High-yield savings account (4-5% instead of 0.01% checking)
Brokerage account for liquid cash (instant access, better returns)
Borrow instead of selling once you have $100K+ (avoid capital gains tax)
Max tax-advantaged accounts (Roth IRA, 401k, HSA triple tax advantage)
Think in assets not income (build wealth that generates passive income)
Basic asset protection at $250K+ net worth (LLC, trusts)

The wealth gap is a knowledge gap. The wealthy know these tools exist and use them. You can too—you just need to know the game. Now you do.
Subscribe to Money Context for wealth-building strategies they don't teach you.
💬 Comment: What's one thing you're changing about how you handle money after this?

⚠️ Disclaimer: This content is for educational purposes only. I am not a certified financial advisor. Consult with a qualified professional before making financial decisions.

#richpeople #privatebanking #wealthbuilding #taxstrategy #financialindependence #investingtips #assetprotection #familyoffice #highyieldsavings #wealthmanagement #taxoptimization #buyborrowdie #trusts #offshorebanking #personalfinance #moneytips #financialeducation #passiveincome #investing #smartmoney