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topics gone triple plat - Number 1 spot 3X PLAT section guap
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Top 10 most propped recently CEITEDMOFO triple plat x65
Props 71 K    
  '14 
TikTok
+38   
91 comments best trash
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Top 10 most propped recently BrooklynDamien triple plat x2
Props 204 K    
  '18 
It's true. You need what's called a whole life insurance policy. Most ppl get term life policies. Learned about this when I first got on tik tok. They had too much sauce. So much that I had to stop going on there. I'm just screen shotting everything. n1ggas were getting tw3rk videos and I was like how lol anyways the money you borrow from your policy is tax free. Obviously do your own research. How tf else would you do any of this i ain't telling you much but yeah this is good info
+13   
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ChoAssUp triple plat x1
Props 135 K    
  '15 
 BrooklynDamien said
It's true. You need what's called a whole life insurance policy. Most ppl get term life policies. Learned about this when I first got on tik tok. They had too much sauce. So much that I had to stop going on there. I'm just screen shotting everything. n1ggas were getting tw3rk videos and I was like how lol anyways the money you borrow from your policy is tax free. Obviously do your own research. How tf else would you do any of this i ain't telling you much but yeah this is good info
I have a policy but I don't remember if its term or full smh. I gotta call them folk to confirm. Shame on me for not knowing this sh1t.
+9   
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WiseBeyondYears
Props 4 K    
  '25 
 BrooklynDamien said
It's true. You need what's called a whole life insurance policy. Most ppl get term life policies. Learned about this when I first got on tik tok. They had too much sauce. So much that I had to stop going on there. I'm just screen shotting everything. n1ggas were getting tw3rk videos and I was like how lol anyways the money you borrow from your policy is tax free. Obviously do your own research. How tf else would you do any of this i ain't telling you much but yeah this is good info
Term life is for when you know without a doubt you will not outlive the term
+8   
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Top 10 most propped recently Tha Boss triple plat x37
Props 237 K    
  '05 



When your policy has enough cash value (minimums vary by insurer), you can use it as collateral to request a loan from your insurance company.

[see photo]


This fool acting like the life policy has cash value up front. Takes decades to be able to borrow in the manner he’s talking about


Last edited by Tha Boss; Today at 02:09 PM..
+41   
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Top 10 most propped recently ChickzNKickz
Props 47 K    
  '05 
Wanna make upwards of 50k a month…Wholesale real estate.

Thank me later
+27   
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Top 10 most propped recently JFTS113 triple plat x5
Props 16 K    
  '15 
Here's some of what Chatgpt said about this "secret":

⚠️ The Catch

You cannot borrow against the full $1M face value immediately. You can only borrow against the cash value, which takes years to accumulate.

To grow significant cash value, you must pay much higher premiums (tens of thousands per year for a $1M whole life policy, depending on age and health).

This is why wealthy families sometimes do it — they have the cash flow to fund big policies, then use them as a tax-advantaged borrowing tool.

✅ So yes — the structure is real:
Trust + Permanent Life Insurance + Policy Loans = Access to Tax-Advantaged Cash.

❌ But no — you can’t just buy a $1M policy “cheap” and immediately borrow large amounts. It’s a long-term wealth strategy, not a quick hack.
+46   
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dbbabd triple plat x2
Props 2 K    
  '07 
 ChickzNKickz said
Wanna make upwards of 50k a month…Wholesale real estate.

Thank me later
Are you currently doing this and point me in right direction to look into. I have a lot of capital
+5   
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klj 406
Props 1 K    
  '15 
Hasn't this been hotpatched?
-1   
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NEWYORKTlMES triple plat x2
Props 22 K    
  '16 
The guy in the OP has never done this and is just making content to sell a book ...hope this helps
+16   
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2006 Class
Props 1 K    
  '25 
Digital Cancer
+4   
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Top 10 most propped recently BreakkerSzn triple plat x140
Props 249 K    
  '22 
emoji
-7   
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collegeboy58
Props 52 K    
  '04 
 BrooklynDamien said
It's true. You need what's called a whole life insurance policy. Most ppl get term life policies. Learned about this when I first got on tik tok. They had too much sauce. So much that I had to stop going on there. I'm just screen shotting everything. n1ggas were getting tw3rk videos and I was like how lol anyways the money you borrow from your policy is tax free. Obviously do your own research. How tf else would you do any of this i ain't telling you much but yeah this is good info
I'll be honest, when n1ggaz start talking the whole vs term life insurance sh1t, I get confused. I do know that several people are against whole life insurance (JT the pocketwatcher, Dave Ramsey-types). My only personal experience is Drive Planning. This guy (I wont say his name) came to a REIA talking about how you can fund your real estate deals with life insurance. He was saying how you can get a $10M policy and fund it with a loan that will make the cash available now. If I gave them $100k, I can get a $1M loan that would prepay the premiums which would allow make to take a loan against the $10M policy.

Needless to say, the whole thing was a scam and the company is was shut down by the SEC. Full transparency, it wasn't shut down because of the life insurance product, it was shut down because they were misappropriating the money.

From what I can understand from JTs perspective, the amount you spend in premiums on a whole life policy would be better used in another investment and/or your paying a premium to basically borrow back the money you spent in paying the premium.
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Top 10 most slapped recently Author
Props 2 K    
  '25 
 NEWYORKTlMES said
The guy in the OP has never done this and is just making content to sell a book ...hope this helps
Read that in Trump’s voice
+3   
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jholla31 triple plat x6
Props 36 K    
  '04 
Or you could sell life insurance
+1   
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Top 10 most propped recently HesOnFire
Props 18 K    
  '21 
 dbbabd said
Are you currently doing this and point me in right direction to look into. I have a lot of capital
You don’t need any real capital to do it I did my first deal with no money at all straight grind…. Only thing is it’s very saturated now but don’t let that stop you it’s deals getting closed everyday I use to do it but it’s to much of a head ache so I switched to wholesaling land instead it’s a lot easier to do and less work I outsourced a VA from the Philippines to do all the heavy lifting I pay him about $125-$150 a week and I give him a nice bonus everytime we close
+3   
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Dun Language triple plat x45
Props 197 K    
  '05 
You have to have that policy for a long time

Like those Gerber insurance policies from back in the day
+1   
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Top 10 most propped recently HesOnFire
Props 18 K    
  '21 
 ChickzNKickz said
Wanna make upwards of 50k a month…Wholesale real estate.

Thank me later
Or trade I just cleared $3k in 5 days and didn’t have to negotiate with sellers lol

+9   
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ARosary triple plat x2
Props 47 K    
  '10 
 collegeboy58 said
I'll be honest, when n1ggaz start talking the whole vs term life insurance sh1t, I get confused. I do know that several people are against whole life insurance (JT the pocketwatcher, Dave Ramsey-types). My only personal experience is Drive Planning. This guy (I wont say his name) came to a REIA talking about how you can fund your real estate deals with life insurance. He was saying how you can get a $10M policy and fund it with a loan that will make the cash available now. If I gave them $100k, I can get a $1M loan that would prepay the premiums which would allow make to take a loan against the $10M policy.

Needless to say, the whole thing was a scam and the company is was shut down by the SEC. Full transparency, it wasn't shut down because of the life insurance product, it was shut down because they were misappropriating the money.

From what I can understand from JTs perspective, the amount you spend in premiums on a whole life policy would be better used in another investment and/or your paying a premium to basically borrow back the money you spent in paying the premium.
JT legit as it gets. One of the very few that has proven their competency about finances in & out, & not just all talk.
+2   
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collegeboy58
Props 52 K    
  '04 
 ChickzNKickz said
Wanna make upwards of 50k a month…Wholesale real estate.

Thank me later
 HesOnFire said
You don’t need any real capital to do it I did my first deal with no money at all straight grind…. Only thing is it’s very saturated now but don’t let that stop you it’s deals getting closed everyday I use to do it but it’s to much of a head ache so I switched to wholesaling land instead it’s a lot easier to do and less work I outsourced a VA from the Philippines to do all the heavy lifting I pay him about $125-$150 a week and I give him a nice bonus everytime we close

 HesOnFire said
Or trade I just cleared $3k in 5 days and didn’t have to negotiate with sellers lol

What markets are ya'll in? Im in metro Atlanta. I've done 35+ working with another investor and haven't done sh1t myself. Working by myself, I realized that I work better with others.
+3   
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Top 10 most propped recently HesOnFire
Props 18 K    
  '21 
 collegeboy58 said
What markets are ya'll in? Im in metro Atlanta. I've done 35+ working with another investor and haven't done sh1t myself. Working by myself, I realized that I work better with others.
I’m in all underdeveloped areas in Florida with the land flips
+1   
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Top 10 most propped recently That Dude
Props 57 K    
  '05 
 HesOnFire said
Or trade I just cleared $3k in 5 days and didn’t have to negotiate with sellers lol

I keep telling these boys to learn to trade. Listen there is no better freedom and gratification.

I use to think 30-50k per month was impossible till I got into real estate and trading
+7   
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yogi11 triple plat x5
Props 54 K    
  '11 
Y’all late asf

My parents had life insurance on me since I was born took out a loan that was decades ago
+4   
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Top 10 most propped recently HesOnFire
Props 18 K    
  '21 
 That Dude said
I keep telling these boys to learn to trade. Listen there is no better freedom and gratification.

I use to think 30-50k per month was impossible till I got into real estate and trading
Man trading is where it’s really at although that sh1t took me 10 years to actually become profitable lmao so many blown accounts thousands wasted sleepless nights cuz the market fu#king with my emotions hella Fomo and Fud I finally just started becoming profitable and sticking to my trading plan and not being emotional and overthinking I was over complicating sh1t for so long
+7   
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collegeboy58
Props 52 K    
  '04 
 That Dude said
I keep telling these boys to learn to trade. Listen there is no better freedom and gratification.

I use to think 30-50k per month was impossible till I got into real estate and trading
Do you day trade? I never lost so much money so quickly
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+3   
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