Friend,

Most people think wealth-building is about making more money.

Get the promotion. Scale the business. Hustle harder.

But here's what I learned after losing everything in 2008:

Wealthy people don't make more money. They make their money work in more places.

Let me show you exactly what I mean.

Lets say you had a great year and you are on track for $250K in taxable income.

You have two options:

Option 1: Your CPA helps you file returns and pay 35% Fed income tax, or $87,500 you send off to the government.

Option 2: You use Optimization tax incentives (discussed in optimize), acquire $250k in depreciation, and now pay $0 in taxes to the government.

Money I kept instead of sending to the IRS: $87,500

Now here's where most people mess up.

They save the $87,500 in taxes and then... spend it. New car. Fancy office. "Reinvesting in the business."

The money disappears. Nothing compounds.

I made that $87,500 work in five places simultaneously.

Layer 1: Real Estate FoundationI used the $87,500 as a down payment on a $400,000 rental property.

That property immediately started doing four jobs:

Job #1 - Cash Flow: $3,200/month after expenses ($38,400/year)

Job #2 - Appreciation: Conservative 4% annual = $20,000 in year one

Job #3 - Tax Savings: $85,000 in depreciation = $34,000 saved in taxes

Job #4 - Equity Build: Tenants paying down mortgage = $12,000/year toward principal

My $87,500 produced $104,000 in year-one benefit.

It paid for itself in 12 months.

Layer 2: The Depreciation Stack

I received an additional $85,000 in depreciation from the property to offset next years business income.

At my 40% tax rate, that's another $34,000 I didn't send to the IRS.

What did I do with that $34K?

Put it down on another property.

Now I have TWO properties generating cash flow, appreciation, depreciation, and equity.

This is velocity.

The same original $87,500 is now working in multiple properties, creating multiple income streams, generating multiple tax benefits.

Layer 3: The Bitcoin Play

That $38,400/year in cash flow from the first property?

I DCA (dollar-cost average) it into Bitcoin. $3,200/month. Every month. Automatically.

Why Bitcoin after real estate?

Because I've already secured the foundation:

✅ Cash flow (rental income)

✅ Tax advantages (depreciation)

✅ Appreciation (real estate equity)

✅ Safety (tangible asset)

Now I can afford to take asymmetric risk with the cash flow my safe assets produce.

If Bitcoin goes to zero, I still have the property producing $38K/year.

If Bitcoin does what it's done historically, that $38K/year becomes generational wealth.

Same $87,500 is now:

Down payment on real estate (working)
Generating monthly cash flow (working)
Creating annual tax savings (working)
Building equity through appreciation (working)
Funding Bitcoin accumulation (working)

Five jobs. One dollar.

The 10-Year Math

Traditional approach: $100K in tax savings → invest in index funds at 10% annual return.

10 years later: $259,000. Not bad.

Velocity approach: $100K → real estate → more depreciation → more tax savings → more properties → Bitcoin DCA.

10 years later:

3-4 rental properties (from stacking depreciation savings)
$115K+/year in cash flow
$1.2M+ in real estate equity
$400K-$800K in Bitcoin (from $38K/year DCA)

Total wealth created: $2M-$3M+

Same starting capital. Different system.

This is what MULTIPLY means.

The 2008 Lesson: I learned this the hard way.

I had built a real estate portfolio worth millions. Paper millionaire.

Then the market crashed. I lost everything.

Not because real estate was bad. But because I was using leverage incorrectly.

I was borrowing against properties to buy more properties. One-dimensional. No tax strategy. No cash flow optimization. No layering.

When the market turned, everything collapsed.

Sitting in the wreckage, I realized wealthy families operate with three different mindsets:

Poor mindset: Spend every dollar that comes in.

Middle-class mindset: Save money in one place. Put $100K in a 401k and hope it grows.

Wealthy mindset: Make every dollar work in 3-5 places simultaneously.

The difference isn't intelligence. It's architecture.

Your Wealth Engine Horsepower

Here's the question that changes everything:

How many jobs are your dollars doing right now?

Pull out your phone. Look at your cash balance.

Is it sitting in checking doing zero jobs?

Sitting in savings doing one job (barely growing at 0.5%)?

Or is it deployed in assets doing 3-5 jobs simultaneously?

Inside Wealth OS, we have a tool called the Wealth Engine Assessment.

It measures the "horsepower" of your financial engine.

We map every dollar you control and count how many jobs it's doing:

Generating cash flow?
Creating tax advantages?
Building equity or appreciation?
Providing liquidity or leverage?
Funding the next opportunity?
Most people score 1-2 jobs per dollar.

Wealthy families score 5-10.

That's not 5-10x returns. That's 5-10x velocity.

Take the Assessment

Want to know your Wealth Engine Horsepower?

Take the 5-minute Wealth Engine Assessment.

You'll discover:

How many jobs your dollars are currently doing
Where you're losing velocity in your wealth engine
The #1 lever to pull to increase your horsepower immediately

It's free. Takes 5 minutes. And it will show you exactly where to focus your energy.

What's Coming Monday

On Monday morning, I'm announcing something I've never done before.

We're going to build your complete Wealth Engine together.

Map every dollar. Fix every leak. Stack every layer.

Details Monday at 6am MST.

Talk soon,

- Mark

P.S. - Seriously, go take the Wealth Engine Assessment. It takes 5 minutes and will show you exactly where you're leaving money on the table. Take it here →