@lumidawealth · Lumida Wealth | Wealth Management for the Next Generation
Saved 2026-05-15 · Posted 2026-03-26 · Status: New
Stop selling your assets. Start borrowing against them.
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Comments (15)
What about the taxes in the $250k of interest income ?
Where is the interest payment on the $4 million in this explanation ? I get it that it comes out of the $21,000 a month in cash flow but obviously your cash flow will be reduced once you pay the interest. Also, what are you buying for $4 million? Will there be maintenance or insurance costs on that? Is it a yacht? Is it an airplane? Is it a house with taxes, etc. this is a weak example.
How do you borrow the line of credit against your assets in a high yield account?
Charles Schwab charges 10% interest. If you only earn 5%, wouldn't it be cheaper to take out a loan?
This explains is incomplete. Suppose the line of credit has an interest rate of 7%, which will cost $280k of int exp per year assuming you purchase assets worth $4m. You should caveat that the asset purchase must be working assets not a non-operating asset. Your asset purchase would have to generate quite a bit of income to be worth your while. I guess this also means you continue to work vs having this balance and no other form of income other than the interest on this balance. I think this explanation is misleading.
But you’re paying income tax on that interest… essentially 40% of that 250 is going to taxes… if your assets are liquid and invested in a well diversified portfolio earning an average 7% (very realistic with stocks and bonds) it makes a lot more sense to me to sell 5% of your portfolio annually pay 15-20% in taxes. In addition, your principal keeps up with inflation.
So how much monthly spending do you get. What do you live off of?
He lost me at “Suppose you have $5 million (stocks and bonds) in a high yield account” … Ahhhh…And how, exactly, is this supposed to happen? 🤣
What ?
Good luck@w 80% Ltv unless it’s a mortgage
What about the interest ? In the loc and taxed account on the 250K
What’s the interest rate on the line of credit? If it’s more than 5% don’t do it
Where do you get the money to pay back the large line of credit if if costs more that the 5% you earn from your account
Maybe people should not take financial, political or health advice off TikTok or the gram and consult an actual expert…just a wild idea… I dunno… it’s probably silly… never mind
This is how the wealthy are cheating the rest of us & hoarding all the wealth. We should tax assets, not just income.