Insurance strategy

22 *40
28

6

240k

goals

Finance home

laddering to finance retirement

education finance - consulting for rental properties

rental properties lifestyle free/ finance lifestyle

house

car/ uber/ getaround

gifts

clothes

food

entertainment

unexpected car expenses

unexpected medical expenses

rental assets

rental properties or business cashflow to fund laddering or income

retirement secure

build the policy

get high credit score 740+ or 760+

Get Policy built for 20% down or 60% down of house

120k morgage HELOC on 150k 80% value house

Get Loan from bank then turn around and put it in policy

built up policy through another HELOC

4% HELOC and 6% Policy

Buy another property and cashflow to HELOC

Ladder Policies

notes

property to cashflow > HELOC to policy based on return

1 triplex
3 houses
2 duplex and house
3 tenants in 1 house
3000k

Laddering > HELOC to policy based on energy and work

goal/ pillars

Cashflow hacking: Build up bank to finance lifestyle…# of payments till loan paid determines how many properties needed

lifestyle

transportation

giving

living

life style machine (rent)

1 triplex
3 houses
2 duplex and house
3 tenants in 1 house
3000k

Cashflow 2.0: maintain a system for laddering which needs cashflow

retirement guaranteed

have properties for leveraging to buy bigger deals or businesses

premium > loan

premium
-OPM
-income
-cashflow

cashvalue determines financing to buy or retire

things that grow policy
-OPM
-cashflow
-income

things that grow outside policy
-income
investments + DCR
-property
-business
-paper

factors to consider

time to money
energy to get money
dcr leverage to over leverage
collateralized debt