TIME TO READ: 5 MINUTES

Hey Friend,

Last week, I did something I don't do often.

I brought 12 Wealth OS members into my studio for two days of intensive balance sheet engineering. 

No Zoom. No recordings. Just a room full of people with one goal: build a wealth machine that actually works.

We had some massive breakthroughs that I'm going to share in today's newsletter...

MAIN FEATURE

The Financial Planners Who Didn't Realize They Could Retire NOW

A couple flew in from the East Coast. They run a financial planning business.

They came to learn how to optimize a couple small things. But on day two they came in beaming. 

The husband said, "Last night we were double checking some of the numbers we ran during the day, and we realized we can actually retire right now." 

I was so excited for them. They came looking for some little tweaks and left knowing they never have to work again. 

The awesome part was that they're not taking their foot off the gas. They were more fired up than ever to help their clients. They said they realized they've been using the wrong retirement model the whole time, and now they want to share this new model. 

Here's how the new model worked for them, and how you can use it too...

They had assets. But everything was locked up. Retirement accounts they couldn't touch. Home equity doing nothing. A portfolio they never considered borrowing against.

They were asset-rich but control-poor.

So we ran the numbers. We mapped out their liquidity layers. We stress-tested drawdown scenarios.

I showed them how if you borrow against assets that appreciate faster than your cost of debt, and you roll that debt annually, you can access liquidity indefinitely. Without ever selling, without ever triggering taxes, without ever resetting compounding.

That's the game.

Here's the simple version:

Let's say you own $1 million in Bitcoin. 

You borrow $150,000 against it. 

Bitcoin has been averaging 50% per year. So in year 2 it's worth $1.5M. 

Now you borrow $300,000, you pay off the original $150,000 and pay off the rest. 

In year 3 you have $2.25M of Bitcoin, you borrow $450,000, pay off the $300,000 of debt, and live off the rest. 

You roll the debt every year. And as long as the asset appreciates faster than the cost of borrowing, you can do this forever. 

In fact you can pass on your assets, and your debt, to your kids. 

By this point you'll be giving them tens of millions of dollars of debt... but against hundreds of millions of dollars worth of Bitcoin. 

It's not that you're piling up infinite debt. You're renting liquidity against an asset that's growing faster than the cost of that liquidity.

The compounding never stops. The tax bill never comes. The balance sheet never shrinks.

Compare that to the traditional model:

If you sell $150,000 of Bitcoin to fund your lifestyle:

1. You lose the asset – your compounding base shrinks to $850,000
2. You trigger taxes – capital gains take 20-30% ($30-45K immediately)
3. You lose the future – that $150K would have been worth $7.6 million in 10 years at 50% growth

Selling resets everything. Borrowing preserves everything.

The new model: Own assets. Borrow against them. Never sell.

TODAY'S VISUAL

The New Retirement Model

Two paths. Two completely different outcomes...

The old model taught us to accumulate for decades, then liquidate when we need money. Every sale triggers taxes, resets compounding, and shrinks the balance sheet.

The new model flips it: build assets that appreciate, borrow against them for liquidity, and keep everything compounding—uninterrupted, tax-deferred, forever.

One path hopes the money lasts. The other engineers a system that can't run out.

The financial planner couple realized they'd been teaching Path A their entire career. Now they're rebuilding everything around Path B.

THOUGHT OF THE DAY

How To Retire In 5 Years (Even Starting From Zero)

After the event wrapped, I took my team out to lunch to celebrate and debrief.

A lot of them are in their 20s and 30s, so they're not as far along as our members are.

But I told them: "Don't assume that just because you don't have the same assets or income that they have, you can't do this too."

I said, "These people spent a lot of money to fly from all over the country to be here. You guys got to be in the room for free. Take advantage of it!" 

I told them I want them following all of this stuff too. The more intimately we understand the process, the more we can help our clients. But even more than that, I just want them to win.

And I told them: "It doesn't even matter if you're starting at zero. You're only 5-7 years away from being able to retire."

Even if it doesn't feel that way. Even if you don't have a lot of money left over to invest. 

One of my guys has a couple young kids. I get it. Money's tight.

But here's where you start:

Reclaim your taxes.

You're going to give money to the government anyway. Take that money and buy depreciation with it instead.

Use credit to buy depreciable assets—equipment, mining rigs, anything that qualifies for Section 179. That depreciation wipes out your tax bill.

Now you've got an extra $10K, $20K, $30K that would've gone to the IRS.

Take that money. Buy Bitcoin.

If you do that 5-10 years in a row, you'll probably be able to retire.

Because you're not just saving taxes. You're stacking an asset that appreciates 50% per year. An asset you can borrow against.

You don't need a massive income. You just redirect money that was already leaving your account.

That's the path for my team. And that's the path for anyone starting from scratch.

Stop giving the government your money. Start building your treasury.

TODAY'S LIST

What Assets Can You Borrow Against?

People ask me this all the time. Here are some of my favorites...

Bitcoin
Services like Unchained Capital, Ledn, Arch Lending. Borrow at 5-8%, asset appreciates at 30-60%. Never sell, just access liquidity.

Whole Life Insurance
Policy loans. Borrow your own cash value while it continues growing tax-deferred. Tax-free liquidity.

Real Estate Equity
HELOC, cash-out refinance. Deploy dormant equity into cash-flowing assets or appreciating collateral.

Stock Portfolios
Portfolio lines of credit, securities-backed lending. Access liquidity in less than a week without triggering capital gains.

Business Equity
SBA loans, business lines of credit. Fund growth or access liquidity without diluting ownership.

If you can't borrow against it, it's not collateral. Maybe it's an asset, but it's not working for you.

Wrapping Up

The financial planner couple walked in looking for a few optimizations.

They walked out realizing they never have to work again.

My team walked in thinking this was only for people with money.

They walked out with a 5-7 year roadmap to retirement.

Same system. Different starting points.

That's what I want you to understand: this isn't reserved for people with millions in the bank. It works at every level.

The principles are the same whether you have $5K or $5M:

Build liquidity. Stack collateral. Use leverage strategically.

The machine works. You just have to build it.

To your wealth,