What if I told you that the entire system of money and banking is

designed to keep you a dead slave for life? That

the dream of owning a house is actually a trap? A financial prison

designed to keep you working in a job you hate for

40 years just to pay off a mortgage on a depreciating asset?

What if I told you that the rich don't play this game? They

don't sell their best assets to buy liabilities. They borrow

against them. They use their wealth to create more

wealth. while you're forced to trade your time for money. And

what if I told you that for the first time in history, you can now

play their game. That you can use the hardest money on

the planet to buy a house, a car, or anything you want, without

selling a single satoshi, without asking the

bank for permission, and without paying a single dollar in

tax. This isn't a fantasy. This is the new reality.

And in this episode, I'm going to show you exactly how it

works. All right, let's get straight into it. I get so excited about this

topic because for me, it's personal. My entire journey

from being a 21-year-old kid with a Homelines franchise to

being a million dollars in debt to building a multi-million dollar

business has been a search for one thing, sovereignty,

freedom. the ability to live life on my own

terms without a boss, without a bank, and without

the government breathing down my neck. And for years, I

thought property was the answer. We're all told the same lie,

right? Get a job, save up a deposit, buy a

house, pay it off over 30 years, and then you'll be free. It's

the great Australian dream. It's a big lie.

It's a trap. I've been in the lending game since I was 21. I

owned a Wizard Home Loans franchise. I've seen how the

sausage is made. And I can tell you, the game is rigged.

The banks want you in debt. The government wants you paying tax.

They want you trapped in the system. Now I learned this the

hard way. At 29, my wife and I, Paula, bought

a Hungry Jacks franchise. And to be honest with you, we

thought we'd made it. We were business owners. We

were on our way to building a franchise empire.

Now, the government decided to redo the highway outside the store. And

for three whole years, our sales were annihilated.

We went a further million dollars in debt. I

was on the phone like every quarter to the ATO begging

for payment plans. I was driving Uber at night to make ends meet.

That's when I realized that even as a business owner, I wasn't

free. I was still a slave to the system, a slave

to the banks, a slave to the tax man, and a slave

to government incompetence. It was only

when I discovered Bitcoin that I finally understood what

true sovereignty was. an asset that no

one can confiscate, a network no one can shut

down, a form of money that no one can devalue.

But for years, there was a problem. If

you wanted to access the value of your Bitcoin, you had to

sell it. And if you sold it, and this is, of course, in

Australia, you had to pay tax. And in Australia, it's

a big tax. So you were back in their game,

playing their rules. until now. Now,

you can borrow against your Bitcoin. You can access its

value without selling it. You can use it to buy a

house, a car, an investment property, anything you want. And

you can do it without asking for permission, without a credit check,

and without paying a single dollar in tax on

the loan funds. Now, this is the strategy that the

ultra wealthy have been using for centuries with stocks and

real estate. They never sell their best assets. They

borrow against them. They live off the loans. Now,

while their assets continue to appreciate in value over

time. The assets grow faster than the debt. It's

how they create generational wealth. And

now, for the first time, you can do it. You can do

it too, right? With Bitcoin. So how

does it work? Let's break it down. All right, so the concept is

simple. You have Bitcoin, you need cash. Instead

of selling your Bitcoin, you can use it as collateral for

a loan. And lenders right now consider Bitcoin as pristine

collateral. So you send your Bitcoin to a lender and they

send you cash in return. you still own

the Bitcoin. This is important. You still get all the upside as

it appreciates, but now you have cash to use for whatever

you want. Now, I know what you're thinking. Matt, that

sounds too risky. What if the price of Bitcoin crashes? What

if the lender gets hacked? Now, these are valid

concerns, and that's why you need to be smart about

it. You need to choose the right lender, and you need to manage your

risk. First, let's talk about the lenders.

There are a few out there, but the one that I use and trust is

Leden. And just for full transparency, they

are a sponsor of this channel. Now, I was a customer long

before they became a sponsor. I trust them because they've

been around for seven years. They survived the crypto winter when

other lenders like BlockFi and Celsius went completely bankrupt.

And they're Bitcoin only, right? They don't have Ethereum and

XRP and all these other altcoins. They don't mess around

with those risky ones. They just hold your Bitcoin securely.

They've even been partnered with Tether, one of the biggest digital asset

companies in the world. And that's not a partnership that Tether

takes lightly. They did their due diligence. They looked at

Ledin's proof of reserves, their custody practices, their

track record, and they decided that Ledin was the real

deal. Now, how does the loan work? It's

based on something called loan to value or LTV. This

is the ratio of the loan amount to the value of your

collateral or the Bitcoin. With Ledin, you can borrow up to

50% of the value of your Bitcoin. So if you have $100,000 worth of Bitcoin, you can

And here's the beautiful part. there

are no ongoing repayments. I

know what you're thinking, right? Matt, this can't be right. Yeah, that's right. No ongoing

repayments. The interest is actually capitalized, which means it's

added to the loan balance. So if you borrow $50,000, that's say

10% interest, after one year, your loan balance will

now be $55,000. You don't have

to make monthly repayments. You can just let the debt roll

over year after year. The idea is

that your Bitcoin will appreciate in value much faster

than the interest on the loan as it accumulates. So over time,

your wealth grows even though you have a loan against it. So

let me show you a real example. Let's say you have one Bitcoin

and it's worth $100,000. You want to buy an investment property and

you need a $50,000 deposit. So instead of selling

half a Bitcoin and paying capital gains tax, you

take out a 50% LTV loan with

your Bitcoin. So you send them one Bitcoin or $100,000 worth and

they send you back $50,000 cash. You

use that cash as a deposit on the property. So

you still own your one Bitcoin or the $100,000 worth

of Bitcoin. And as the price of Bitcoin goes up, your

wealth grows as well. The interest on the loan is

just a small cost of doing business. Now, what

about the risks? The main risk is a margin

call. If the price of Bitcoin drops significantly, your

LTV will increase. If it hits a certain threshold,

usually around 70%, the lender will ask you to either add

more collateral or pay down the loan. Now, if you can't, they'll

sell some of your Bitcoin to bring the LTV back

down. That's called a partial liquidation. Now,

this is why you should never borrow the maximum amount.

You should never use all of your Bitcoin as collateral. You

need to have some reserves, right? You need to be prepared for

an 80% drawdown. Now, I've said this before, and I'll

say it again. If you can't handle an 80% drop in

the Bitcoin price, you have too much Bitcoin on the line.

Now, the same applies here. If you can't handle an 80% drop

without getting a margin call, you've borrowed too much. When

I first started using Ledin, I tested it out with a small

amount first. I sent in like $1,000 worth of Bitcoin just

to see how the process worked. I got my $500 loan.

I thought, wow, this is easy. And it really was that easy.

This actually does work. Then once I validated the

process, I sent in one whole Bitcoin. But

this time, I used their B2X product, which I'll explain

in a minute. And I doubled my Bitcoin. I went from one

to two. Then after a few days, I got a bit greedy, I

will admit. I thought, this is too good. I sent in another two

Bitcoin and got another two Bitcoin back. So now

I had four Bitcoin from my original two. But

here's the thing, I still had many other Bitcoins sitting

in my cold wallet. I didn't use up everything. I didn't put all

my Bitcoin in. And that's the key. You have

to leave reserves for a what-if scenario. What if

there's another 80% drawdown? What if the price crashes? You

need to be able to weather the storm. Now let

me explain this B2X product because it's one of the most powerful tools

in the Bitcoin lending space and it's very rarely spoken

about. It also requires more careful management so

you need to understand how it works. So with the standard Bitcoin backloan,

you send in one Bitcoin and you get cash back sent to

your bank account. With a B2X, you send in one Bitcoin

and you get one Bitcoin back, but they hold both

Bitcoins, right? They give you a second Bitcoin as a loan. So

now you have two Bitcoins in total, which equals a

50% LTV. Now, so why would you do this? Because if

the price of Bitcoin goes up, both of your Bitcoins

appreciate. You've actually doubled your exposure to Bitcoins upside

without having to buy more Bitcoin out of your own pocket,

right? Using your own money. So let me show you the numbers. Let's

say you have one Bitcoin worth $100,000. You use

the B2X product. You send in your one Bitcoin, and

they then give you another whole Bitcoin, which they also custody.

So now you have two Bitcoins. You also have a loan

now of $100,000 plus the interest that

will accumulate over that first term. So now, let's

say Bitcoin goes up 50% over the next year. Each

of your Bitcoin is now worth $150,000. So your two Bitcoins are

now worth $300,000, right? Your loan balance with a 10% interest is now only $110,000. So your net worth

has gone from $100,000 to $190,000. You've almost doubled your wealth just by using leverage. But here's the risk.

What if Bitcoin doesn't go up? What if it goes down? Let's

say Bitcoin drops 50% each. Bitcoin is now worth 50 grand.

So your two Bitcoin are now worth $100,000 total.

But your loan balance is still $110,000. You're

underwater. See? You owe more than your Bitcoin is

worth. This is why you have to be smart. You have to have

a long-term view. You have to be prepared for

volatility, and you have to have reserves. So

when I took out my B2X loan back in February, I

was expecting Bitcoin to hit $160,000 by

the time the CryptoCon conference rolled around, which was just only

a few short weeks ago. I was way off. It was $80,000, the

opposite of what I actually thought. But I'm not worried. I'm

not losing any sleep over it, right? I just let it sit there,

and it's going to go up over time eventually. Now, whether

it's next year or the year after, it doesn't really matter to me. I

didn't put all my Bitcoin in, remember? That is the

key. And speaking of Ledin. If you're thinking about

using Bitcoin to access capital, whether it's for a house deposit or

an investment, or just to have some liquidity, I can't recommend

them highly enough. They make the process incredibly simple. No

credit check, no proof of income, no tax returns,

no bank statements, just your Bitcoin and a passport or

driver's license. That's it. If you want to check

them out, there's a link in the description. And if you're part of our community, we

have a special rate. So keep an eye out for that. All right, so we've talked

about how to use your Bitcoin to buy assets. But

what about living expenses? What if you want to quit your job and

live off your Bitcoin? Can you do that without selling? And

the answer is, yes, you can. And this is

where it gets really exciting. This is the strategy that the

ultra-wealthy use to live a life of complete financial freedom. They

borrow to live. Let's say you have a million dollars worth

of Bitcoin. You need $100,000 a year to live on.

So instead of selling $100,000 worth of Bitcoin every

year and then paying tax, you take out a loan for $100,000. You

live off that money for the whole year. The

interest is capitalized, so your loan balance grows.

But your Bitcoin is also growing. And as your Bitcoin

is appreciating faster than your loan balance, you're winning. And

keep in mind, over that whole year, you haven't had to make an

ongoing repayment. So let me show you the numbers. Let's

say you have a million dollars in Bitcoin and it's appreciating at

an average of 40% per year. You

borrow $100,000 at 10% interest. After one year, your Bitcoin is now worth $1.4 million.

Your loan balance is $110,000. So your net worth has increased from $900,000 to $1.29 million. You've

lived for a year tax-free, your wealth has grown by

almost $400,000. This is how the

rich do it. They use their assets to generate cash flow

without ever selling the underlying asset. They

live off the debt and they let their assets grow and they

pass those assets onto the next generation who

can then do exactly the same thing. It's the ultimate wealth

creation strategy. Now, let's

take this even further. Now, let's take this even further. Let's

look at a 10-year scenario. You start with one Bitcoin worth

$100,000. You take out a B2X loan to get a second Bitcoin. So

now you have two Bitcoin. You also have a $100,000 loan.

So over the next 10 years, Bitcoin appreciates at an average

of 40% per year, right? A CAGR. After 10 years,

each Bitcoin is worth $2.89 million. Your

two Bitcoin are now worth $5.78 million.

Your loan balance with the compounding interest at 10% is $321,000. That's the original $100,000 loan

plus $221,000 in accumulated interest. So your net worth is 5.78 million

minus the 321,000, which is 5.459 million.

So you started with $100,000, right? And

you now have over $5 million. And you

didn't sell a single Satoshi. You didn't pay

a single dollar in capital gains tax. That's one

of the most important things. And at this point, you have two options.

You could sell one Bitcoin for 2.8 million, pay the tax,

and live off the money for the rest of your life. Or you could keep borrowing

against your Bitcoin. You could take out another

loan for

$100,000 a year and just keep rolling the debt over.

Now, as long as Bitcoin keeps appreciating, you'll never have

to sell. You'll never have to pay tax. and you'll pass

on your Bitcoin to your kids who can do the same thing.

Now, this is generational wealth. This is how

you win the game. Now, I know this can be a lot to take in.

It's a completely different way of thinking about money and wealth. And

that's why education is so important. You need to understand

the risks, the strategies, and the mindset required to succeed

in this new financial world. And that's where imperial wealth

come in. They're a community of investors and educators who

are dedicated to helping you navigate the world of digital assets.

They'll teach you everything from the basics of Bitcoin to advanced strategies

like DeFi and lending. Now, if you're serious about building

wealth in crypto, you need to have a solid education as

your foundation. Check out Imperial Wealth, link in

the description. So what does this all mean for you? It

means that the game has changed. You no longer have to be a

debt slave. You no longer have to trade your time for

money. You no longer have to play by their rules. You

have an alternative. You have an escape hatch. You have Bitcoin.

And now, you have the tools to use your Bitcoin to create real,

lasting wealth, to buy a house, to live a life of

freedom, to build a legacy for your family. This isn't

about getting rich quick. It's about getting free. It's

about taking back control of your financial destiny. It's

about sovereignty. And it all starts with a shift in

mindset. Stop thinking like the consumer. Stop thinking

like a debtor. Start thinking like an owner. Start

thinking like an investor. Start thinking like the rich.

Your Bitcoin is not just a speculative asset. It's a savings

technology. It's a property right. It's

a tool for financial empowerment. And when you learn how to

use it properly, it can change your life. Now, I

want to be clear about something. This strategy is not for

everyone. If you're new to Bitcoin, if you don't have conviction,

if you're going to panic sell at the first sign of correction, this

is not for you. You need to have a long-term view. You

need to understand that Bitcoin is volatile. There

will be 80% drawdowns potentially. There will be periods where

you're underwater on a loan, and you need to be okay

with that. Now, but if you've got the conviction, if

you understand the fundamentals, if you're in this for

the long haul like me, then this strategy could be incredibly powerful.

It could give you access to capital without ever selling your

Bitcoin. It can give you tax-free income for life, and

it can help you build generational wealth. So

guys, that's it. That's the playbook. That's

how you buy property with your Bitcoin. That's how you create tax-free

income for life. That's how you win the game. It's

not complicated, but it does require a change in

thinking. It requires conviction. It requires a

long-term perspective, and it requires you to take action. This

won't happen by itself. If you want to learn more about this, if

you want to go deeper into the strategies, the risks, and

the opportunities, I invite you to join our community, The

Crypto Collective. It's a group of like-minded individuals who

are all on the same journey. We share our knowledge, our experiences, and

our wins. We support each other, and we're all committed

to building a better future for ourselves and our families. The

link is in the description. I hope to see you there. Thanks for