The rich don’t walk into a bank with hat in hand, hoping some suit behind the desk grants them the privilege of borrowing money at an interest rate just reasonable enough to keep them in perpetual debt. No, the wealthy have a different playbook—one that doesn’t involve endless applications, credit checks, or the soul-crushing experience of proving, with a straight face, that yes, they will, in fact, repay the loan.
How the Wealthy Play the Tax Game
They don’t borrow from banks.
They are the bank.
It starts with a realization—a quiet but profound moment when you look at your finances and ask, “Why am I paying someone else for the privilege of using money when I could just finance myself?” This is the fundamental shift, the first step in a journey toward financial independence that most people never take. Because let’s face it—traditional banking is a business, and like any good business, it thrives on dependency. The less you rely on it, the less power it has over you.
Now, don’t get it twisted. This isn’t some radical, off-the-grid, stuff-your-cash-under-the-mattress ideology. No, this is what the wealthy have been doing for centuries—compounding, leveraging, and growing their capital in a way that allows them to pull from their own financial ecosystem rather than beg for scraps from the institutions that make their money off everyone else’s lack of it.
It’s the difference between being a player in the game and being the casino.
Take, for example, the entrepreneur who wants to fund a new venture. The average person trudges to the bank, endures the humiliating dance of credit checks and debt-to-income ratios, and if they’re lucky, they walk away with a loan—complete with an interest rate that ensures they’ll pay back nearly double what they borrowed. But the self-financer? They pull from their own reservoir of capital, a wellspring they’ve been strategically filling for years, where money grows—tax-advantaged, shielded, and ready for deployment at a moment’s notice.
And here’s the kicker: when the self-financer repays that loan, they’re not enriching some financial institution. They’re paying themselves back, with interest.
It’s a simple yet profoundly effective strategy. Instead of working for money, they make money work for them. And while the masses are busy figuring out how to navigate the latest mortgage rate hikes or credit card APR traps, the self-financer is playing an entirely different game—one where they never have to ask for permission to use their own wealth.
The irony, of course, is that banks use your money to generate wealth for themselves. Every dollar sitting in your savings account is being lent out at interest while you collect a laughable fraction of a percent in return. They’re playing the self-financing game—but they’re using your cash to do it.
So, the question isn’t whether self-financing works. The question is: why aren’t you doing it?
Because the rules of wealth were never meant to be fair. They were designed to keep people dependent, to ensure that only a select few understand the strategies that separate those who struggle from those who thrive. But the playbook isn’t locked away. The strategies aren’t secret. The information is there for anyone willing to step outside the conventional wisdom that says banks are a necessary evil.
They’re not.
And the moment you stop asking for permission, the moment you start funding your own dreams instead of someone else’s bottom line—that’s the moment you stop playing their game and start playing your own.
