Borrowed Time: The Intelligent Investor's Guide to Buy, Borrow, Die

The wealthy don't earn their way to financial freedom. They borrow their way to it.For decades, the most powerful wealth-building strategy in America has operated in plain sight — used openly by billionaires, documented by the IRS, and completely legal. It has a name: Buy, Borrow, Die. And until now, no one has written a practical implementation guide for people who aren't already worth $100 million.Borrowed Time changes that.Built around a seven-vault asset architecture and a single governing rule — borrow against what is up, buy what is down, never sell — this book gives you the complete blueprint for building a wealth machine that compounds for decades, generates tax-free spending power while you're alive, and transfers to your heirs with the accumulated capital gains tax bill wiped clean by law.Inside you will learn:Why selling your investments is the most expensive financial mistake you can make — and the borrowing mechanisms that replace it entirelyThe seven asset classes that form the machine: equities, real estate, metals, indexed universal life insurance, treasuries, tail risk protection, and business ownership — and the specific tax advantages each one carriesHow to use securities-backed lines of credit, policy loans, DSCR loans, box spreads, and SBA financing to access your wealth without triggering a single taxable eventWhy $100,000 is the critical threshold — and what unlocks at Interactive Brokers the moment you cross itThe exact month-by-month sequence for building the full structure from a $100,000 starting pointThe five fatal mistakes that destroy the machine — and the specific disciplines that prevent every one of themHow to flip the switch at 60: the income stack, the estate plan, and the Roth conversion ladder that eliminates Required Minimum DistributionsA complete letter to your heirs — explaining the loans, the step-up in basis, and exactly what not to do in the first thirty days after you are goneThis is not a book about getting rich quickly. It is a book about building something that runs for forty years and then hands the next generation a fortune they never have to sell.The rules were always available to you. Now you know how to use them.Joseph D. Lanham is an independent wealth strategist and the author of Borrowed Time. Read more