As the Bitcoin 2025 conference rolls into Las Vegas later this month, Bitcoin isn’t just trending—it’s transforming finance as we know it. While the media argues about tariffs and whether they’ll cause prices to rise, I’ll be there watching VP J.D. Vance and Michael Saylor… paying for my trip with tax-free borrowed money from my margin account, while writing off the entire event as a business expense.
Yes, that’s essentially a double tax deduction—since the loan was never taxed, and it’s a legitimate business expense. How does that sound? That’s the magic of understanding the system.
In Be Smart Pay Zero Taxes, I teach how the wealthy use the Buy, Borrow, Die strategy to buy appreciating assets and borrow against them tax-free. And yes, Bitcoin is the perfect asset for this. The strategy is to buy Bitcoin (or a Bitcoin ETF) and never sell it. Pass it to your kids—and make sure they never sell it either.
Now you might be thinking: “But isn’t Bitcoin just a Ponzi scheme?” Well, what about the U.S. dollar? That’s suspect. It’s printed like toilet paper and created (and deleted) in computers with the press of a button. Here’s what you need to know about creating wealth and identifying real money vs. fake money.
Anything with an unlimited supply will go down in value. Anything with a limited supply will go up in value. With that in mind, let’s dive into the Ten Reasons to Buy Bitcoin NOW—and Never Sell it.
Reason number one: Bitcoin is really, really scarce. There will only ever be 21 million Bitcoin. Over 19.5 million have already been mined. That’s it. You can’t fake it or print more of it. There is no way to “raise the Bitcoin Debt ceiling.”
Meanwhile, the U.S. dollar is an unlimited experiment. Just ask the Federal Reserve—they printed over 40% of all U.S. dollars in circulation in just the last few years.
Bitcoin, on the other hand, is mathematically programmed scarcity—and scarcity is what creates value. When the last Bitcoin is mined, it will be like owning a piece of the Mona Lisa. It’s priceless and will only go up in value. And yes, if you happen to own the Mona Lisa (or other valuable art), you can also borrow against that too… to buy Bitcoin.
Reason number two: Governments and states are quietly buying Bitcoin. The U.S. government owns more than 200,000 Bitcoin. El Salvador made it legal tender. And now, Texas, Utah, Arizona, New Hampshire, and Arkansas are taking steps to create their own state-level Bitcoin reserve. Why are they doing this? Because even politicians can do the math: the dollar is in trouble as the U.S. accumulates around $1 trillion in debt every 100 days. When your own government starts buying Bitcoin to protect itself from its own currency, maybe it’s time to consider doing the same.
Reason number three: Wall Street has jumped in—hard. BlackRock, Fidelity, ARK Invest, and other giants have launched Bitcoin ETFs, allowing retirement accounts and pensions to get in the game. That means Bitcoin exposure is now available inside IRAs, 401(k)s, and brokerage accounts.
But here’s the kicker: Once it’s inside a retirement account, you can’t borrow against it, so you can’t use the Buy, Borrow, Die strategy. But if you buy it in a regular brokerage account, you can borrow against it easily using margin loans. When you embrace a life of buying and borrowing, “making” money is as simple as pressing buttons. Want to buy real estate? Borrow on margin for the down payment. Want to pay off high-interest credit card debt? No problem—rather than selling, borrow against your brokerage account to pay it off. No selling, no taxes, no capital gains.
Reason number four: You can use it as collateral—today. Yes, today. There are platforms that let you deposit Bitcoin and borrow against it instantly. It’s like having your own personal line of credit that doesn’t require a credit score, a bank officer’s permission, or a stack of paperwork.
In fact, you can borrow against your brokerage account secured by stocks, ETFs, and yes—even Bitcoin ETFs. There is no application, no credit check, no reporting to credit bureaus, and no payments on the loans. (See Chapter 10 of Be Smart Pay Zero Taxes. And don’t skip Chapter 48: “Live Off the Borrow Button.” It’s like financial cheat codes—legally.)
Reason number five: Bitcoin is the ultimate hedge against inflation. Let’s be honest: Inflation is theft. And Bitcoin is the lockbox. Eggs didn’t get more expensive—your dollars got weaker. Gasoline didn’t get more expensive—your dollars lost value. And toilet paper didn’t get more expensive either. The dollar just got flushed. So the award goes to .. Bitcoin, followed by toilet paper, with the U.S. dollar in last place.
Fortunately, Bitcoin isn’t manipulated by central banks or printed on a whim. It doesn’t need Jerome Powell’s permission or Congress’s signature. It’s math. And math doesn’t lie.
Reason number six: Bitcoin is borderless and censorship-resistant. Good luck moving $1 million in gold across an international border. But with Bitcoin? Memorize 12 words and your entire net worth is secure in a tiny thumb drive—portable, private, and free.
Bitcoin doesn’t care where you live, what time it is, or whether your bank is open. It doesn’t shut down for holidays. It doesn’t ask permission. And it doesn’t beg for bailouts. And best of all, it doesn’t send you an IRS form unless you sell. (So just never sell. Ever.)
Reason number seven: Bitcoin has outperformed every major asset class since 2013. Even after its infamous dips, Bitcoin has beaten stocks, bonds, real estate—even gold—over the past decade. Volatility isn’t your enemy; your emotions are.
The people who held through the crashes—and kept buying? They’re retired. The people who said, “It’s too risky”? They’re still working 9–5… and hoping that their retirement accounts will be enough to retire on.
Reason number eight: Build a Tax-Free Retirement—Without Waiting Until 59½. Most Americans are stuck in tax-heavy retirement accounts that punish you for accessing your money early. And punish you with the highest taxes for retiring later.
In fact, I call all retirement accounts “dead money.” Any asset I can’t borrow from is essentially dead. Why? Because if I can’t create new money by pressing buttons, I’m out. Buy, Borrow, Die only works if you can borrow secured by the asset. Otherwise, it’s a deal killer. In my book, I explain how this lets you live off your investments now, not decades from now. And yes, the IRS is invited—but they don’t get a bite. Loans don’t go on your tax return.
Reason number nine: Bitcoin is the most decentralized asset ever created. No CEO. No political bias. No shutdown switch. It’s code. Open-source. Audited in real time by tens of thousands of nodes (computers) around the globe. You can’t inflate it. You can’t fake it. You can’t cancel it. That’s why governments are terrified—and you should be thrilled.
Reason number ten: You’ll regret it more later than you fear it now. Every cycle, people say: “It’s too risky.” “It’s too late.” “I’ll buy the next dip.” Then the price doubles. And then doubles again. And then… well, you know how the story ends
So here’s a better quote: “The best time to buy Bitcoin was 10 years ago. The second-best time is now.”
Final Thought: Don’t work harder. Borrow smarter. In Be SMART Pay Zero Taxes, I break down how the wealthy use Buy, Borrow, Die to avoid taxes legally—and how ordinary Americans can do the same. In fact, you can start your Buy, Borrow, Die strategy with just $100 in a brokerage account.
And yes, I believe Bitcoin is going to $1 million by 2030—not because of hype, but because it’s math + scarcity + adoption + debt-fueled fiat collapse. If that makes sense to you, then don’t just buy Bitcoin—never sell it. Build your portfolio around it. Borrow against it. Pass it on tax-free.
And when your grandkids thank you for making them Bitcoin millionaires (or billionaires), you can smile and say:
“I read the book… and I followed the plan.”
