5 Yr Retirement: A Bitcoin Strategy for Tax-Free Income

What if I told you there's a retirement strategy that takes 5 years or less instead of 40? It doesn't require you to sell your assets and it generates tax-free income for life. Now, everything you've been taught about retirement is based on a system designed in the 1930s in the industrial age when people died at the age of 62.

But that system, it's broken and that world no longer exists. Today we have the first new financial asset in 500 years, Bitcoin, enabling entirely new financial strategies. And with these, we can take wealth secrets of the 1% and we can apply them to our own lives to achieve retirement in 5 years or less.

So whether you're dreaming of replacing your income, you're behind on your retirement goals, or already wealthy but wish you had more taxfree cash flow, make sure you stay until the end because I'm going to break down the exact blueprint for creating taxfree retirement income using Bitcoin in just 5 years or less. Now, my name is Mark Moss. I'm a tech focused venture capital investor who's built multiple 8igure companies in the Bitcoin ecosystem.

I've coached thousands of entrepreneurs on how to use wealth strategies of the 1% to achieve their financial goals in a fraction of the time. And these exact strategies are available to you right now. But first, let me show you why the retirement systems you've been sold is mathematically guaranteed to fail.

All right, so bad news and then good news. The bad news is we have a retirement crisis. The good news is I can show you how to fix it and achieve retirement in five years or less almost no matter where you're starting from.

Okay, now this is going to be a little bit of a longer video because I want to go deep. I want to give you the exact blueprint because there's massive hope for you if you deploy these strategies. Okay, so first thing, retirement crisis.

It's a really big deal, a really big problem. And the problem is that the system it doesn't work. As I said in the intro, you were taught to follow a a plan that was built in the industrial era using industrial era tools, industrial era financial strategies.

And we're not in that world anymore. We went to the information age and now we're moving into the intelligence age. And so the tools that you've been trained, what you've been taught, it no longer applies.

And we can see this in any number of ways. I can show you factually. Nearly half of baby boomers, the people who were taught in that era and followed the plans, nearly half of baby boomers have no retirement savings.

We can talk, we're going to talk about why, but this is the fact, okay, that it doesn't worked. We we can see that. We can see even worse here.

Baby boomers in America are becoming homeless at a rate not seen since the Great Depression. It's a big deal. It's a big, big problem.

Here's what's driving this terrible trend. They don't have any money. That's what's driving this trend.

And we can see that of course we know simply the problem is they don't have money. But what does that really mean under the hood? Well, again, half have no money.

Of the half that do have money, it's about on average $200,000. So half no money, half that have money, it's a $200,000, which is not going to be enough. As a matter of fact, it's not going to be anywhere near enough because number one, that was the plan when you were going to live to 62.

Now people are living to 82. a couple decades longer. How is it going to last that long?

And we can see per Vanguard right here. This tells us that despite record high markets, so all the markets are at all-time highs right now. Despite that, the median 401k balance for those 65 over was 232, so a little bit higher than 200,000.

But here's the bad news. Because what traditional financial advice tells you is that you could withdraw 4% per year for the rest of your life. Maybe I'm going tell you why that's wrong.

But even if that's the case, 4% of withdrawal provides less than $800 a month in income. How you going to live on that? I don't care where you live in the United States.

Uh you're not going to live on $800 a month. Now, maybe you move to some third world country and maybe $800 gets you by, but it's not going to happen here in the United States and any developed country that you're in. Now, it gets even worse.

Don't worry, there's lots of hope on the other side. But I need you to understand this. It gets even worse because what we really have is an illusion of wealth, right?

So again, as we showed you, even at record all-time highs is still not enough. Why is that? Because when you look at your retirement savings account, your 401k, your mutual fund, your S&P 500 index, it's screaming new all-time highs.

But why don't you feel more wealthy? And that's the illusion of wealth. So what we can see here, I use this chart quite often.

The orange line is global liquidity. This is the money supply expanding around the world. The black line is the S&P 500.

And what you can see is that the black line, the S&P 500, basically moves along with global liquidity. It's like a perfect proxy. So, what this means is that on paper it looks like you're getting more wealthy, but the purchasing power of that paper is not going up.

That's the illusion of wealth. So, even though on paper you're getting more wealthy, even though we're at record highs, you're not getting ahead. And before we get into how we fix this, there's even one more thing you need to think about.

And that is that this strategy they're teaching you, which is that, you know, you can pull 4% out perpetuity. Well, it doesn't really work if you're unlucky. If you just happen to be retiring in one of these big draw downs.

If you retired here, you can't pull 4% here. If you retired here, how do you pull 4%. That's a 15-year period here.

If you retired here, how do you pull 4% out there? So now if you retired here, sure. Okay.

If you retired here, sure. So it then comes down to luck. I'm not putting my future into luck hands.

I don't know about you. And this all comes down because you've been taught the wrong strategy. Factually, it doesn't work.

I just prove that to you. Okay. So traditional financial advice doesn't work.

It's not anywhere as near as good as the cheat code, the five-year retirement plan, which I'm going to fill you in on. Traditional advice is what you should do is save for retirement. So then when you're old enough, you can sell your assets to pay to get the income to pay for your living expenses.

Now the problem with that is that most of you are investing that money into a tax deferred account. So that means when you sell your assets for income, you get to pay taxes on the withdrawals. 20 30 40 50% of the money you get back goes to the government.

The problem with this specifically for me is then you deplete your principle over time. So your assets are getting smaller, smaller, smaller, smaller, smaller. And the goal you're crossing your fingers, crossing your heart, hoping to die, hoping that you don't outlive your savings.

What if you live longer? Please, hopefully you do. What if you're healthy?

You live longer. And then you outlive your savings. What kind of problem is that?

And then again, as I showed you on that previous chart, it's vulnerable to market timing. What happens if you just happen to be retiring in a downturn market? Now, that's a problem.

So, and and on top of it, it's a 40-year accumulation time frame. If you save for 40 years, maybe it's enough. It's not.

You can't think. Just think about this. How are you going to save 10% for 40 years and then live on the same amount of money, your annual salary or 80, 90% of it for another 30 or 40?

Like, how does that work? It doesn't. That's why it's failing.

Okay? But there is a plan. I'm going to fill you in on that.

Don't worry. But one of my mentors now, one of my good friends, Robert Kiosaki, he said the traditional retirement model, that one that doesn't work, is a system designed to transfer wealth from the middle class to the financial industry. That's why they teach it to you.

Just give us your money for 40 years, let us make all the money, and you end up with nothing. They make about twothirds of the money that you'll make over your lifetime. So it transfers money from the middle class to the financial industry and the government through fees and taxation.

So the financial industry charge you fees for 40 years and when you finally get your money back, half of it goes to the government, but the wealthy, they play a different game. The wealthy use an entirely different playbook. Barbara Kiasaki, do you want the playbook?

Don't worry, I'm going to give it to you right now. Okay, make sure you're paying attention here. We're going to go deep.

Again, this is a serious video. This is maybe one of the most important videos I've ever made because I want to change this process. It really makes me mad.

Okay, what is the 1% wealth formula? Well, let's compare it. Let's compare it to the middle class formula and the 1% formula.

So, the strategy, how do we think about income? Well, the middle class trade time for money. So, they're working and they're using the money that they get from working to pay for their life.

Trading time for money. The wealthy, they make money to build assets. And then those assets generate income.

It's a different strategy. They're working, they're buying assets. Those assets pay for the life.

It's a different strategy. Number two, what about investing? Well, middle class, they save in a tax deferred account.

So every two weeks, part of your paycheck goes into your 401k, your mutual fund. It's tax deferred. It grows tax deferred.

And when I hit that age, 62, 72, whatever, I can pull it out and pay taxes. But the wealthy, they acquire appreciating assets instead. Not tax deferred.

They acquire assets that go up in value. Growth, the middle class, they compound their interest at 8 to 10% a year. Hopefully the market doesn't crash and it keeps going up and you know 8 to 10% per year it's compounding.

But the wealthy, the 1%, they leverage and add velocity. We talk about investing into layers using leverage. So instead of getting 8 to 10%, the wealthy are getting 25%.

They're getting 50% and they're getting 500% gains by investing into layers taxes. The middle class, they pay later. Remember, they're deferring.

So, they're paying a lot of taxes on the money they get up front and then the little bit they put away when they get it out later, they got to pay taxes on it. But the but the wealthy, they minimize or completely eliminate their taxes. They don't pay that.

Why would I want to give up half my money to the government? How fast can I grow if I have to commit money to the government? wealth they do differently.

Assets middle class they sell the assets to fund their retirement. Remember save for 40 years. Then when you retire you can sell your assets to pay for your retirement.

The wealth they do it differently. The 1% they keep their assets forever. They pass that wealth to generation to generation to generation.

They do that by borrowing against their assets. the timeline. It takes the middle class 40 years to either have no money, as we saw, or the 50% that do have 200 grand, which is enough.

Takes them 40 years to get there. But the 1%, they do it in five years. Now, I don't know about you, but um I like this 1% approach better.

This is where I want to be. Now, the problem with this is this is typically for 1% wealth. That's been the problem.

So, most people haven't been able to tap into this. And some of you might go, Mark, this is ridiculous. That can't work.

Well, how many billionaires do you hang out with? Right? So, you haven't heard of this, but but but they do it.

The problem is it's been reserved for people that have a lot of money. But something changed. We have the new financial asset that enables anyone, you to do this right now.

The single biggest difference between financial success and financial failure. Success or failure, your choice, is owning a few income producing assets. Grant Cardone.

Now, I want to break this down, but it's not what you think. It's not about buying rental real estate like Grant Cardone would tell you. Okay.

So, what we want is we want to learn how to use strategic leverage. Key word strategic leverage. So, let's again compare the middle class to the 1% the the path I'm going to teach you.

Don't worry. The strategy, how do they use debt? Okay.

Well, the middle class typically would put like 10% on their home, 5% on credit cards, 4% into an auto loan. That's type of the the type of credit type of loans that the middle class would get. The 1% do 30% on a home, 15% in a business, and 10% into investable debt.

That's how they use debt. But the leverage is different. Okay?

The leverage is that the middle class used the leverage to buy mostly depreciating assets. Okay? The credit cards, it's not appreciating.

That's consumer debt. Autos, that's depreciating. So, they've used the leverage that they have to buy depreciating assets.

Of course, the 1% do it differently. They use leverage to buy assets 85% into assets that go up in value, not down. Tax efficiency.

So, they're using leverage to write off their taxes. Using debt and leverage to buy assets that give them the tax write-off 73% business 62% using other people's money leverage to build up businesses that are assets that go up in value and consumer debt less than 5%. So lots of debt, way more debt than the middle class, but it's all strategic leverage.

It's all assets that are going up and barely any in consumer debt that's going down. I like this quote from Tom Wright, a tax strategist. The rich use debt to leverage investments and create additional income streams.

That's what the rich use it for. While the average person, the middle class person, use debt to buy things that make rich people richer. Don't do it that way.

We want to be able to buy assets that make us more wealthy. Okay, let's talk about the cheat code. Now, the cheat code is Bitcoin.

Now, listen, before you roll your eyes and turn this off, let me break it down for you. Why? I'm not going to go super deep in this because I talk about it all the time, but Bitcoin is the first new financial asset in 500 years.

We've had commodities forever, as old as the earth. Obviously, equities were created about 500 years ago. We have a new financial asset.

And as our brains are comparing mechanisms, what is it? Well, it's sort of like this and it's sort of like that and it's sort of like that. Sort of.

It is like all those things, but it's something new. Now, when we have a new financial asset, it's a new building block that allows us to build new things that we couldn't build before. When we all of a sudden had steel, we could build things we couldn't build before, like skyscrapers and bridges, right?

And now we have a new financial asset. And this is what allows people like you and I to do the same playbook as the 1% are doing right now. Why?

Well, number one, we have mathematical certainty. So, we have digital scarcity. So we know that the Bitcoin supply goes up.

There will never be more than 21 million. And we know the issuance of that. So every four years, the issuance of that Bitcoin that a caps at 21 million goes down.

Gets cut in half every four years. Do you know what the Fed central bank is issuing money right now or the commercial banks or China or Japan? No, you don't.

And so we have this certainty. All right? We have mathematical certainty.

Number one. Number two, we have scarcity and demand. So because Bitcoin is finite, all we have to do is understand the demand side.

And as long as governments print more money, which seems like a pretty much a certainty, and governments continue to want to increase censorship, uh then we can see that the demand will continue to rise. Now we can understand the growth trajectory if we zoom out and a lot of you are like a market's just too volatile. It it is, yes, but to the upside.

So if you look at this path you can see the projection. Now it goes up and it comes down and up and down up and down within this band. Okay.

Then we want to understand the growth trajectory. So I kind of showed you the history but where is it going? Well we can understand if we look at store of value assets places that we park money.

We save money in bitcoin in gold collectibles equities real estate bonds and money. It's where we have your savings. In 2010, that was valued at $387 trillion.

2010 387. By 2020, this basket of goods was worth $852 trillion from 330 to 850. Why?

Why is that basket of savings, gold, real estate, equities? Why is it getting bigger? It's getting bigger because it's where value is stored.

And as the wealth of the world continues to grow, as governments continue to print money, these baskets grow from 380 to 852. Okay? So, we can see that growing.

Now, if we project that out based off of run rates, based off of what the government projects they'll continue to have deficit spending and so forth, we can project out from 2020 to where these basket of goods will be by 2030. And this $852 trillion basket will grow into 1. 67 67 trillion or 1.

6 quadrillion dollar. Okay. So then the question is what percentage of Bitcoin how fast will Bitcoin continue to grow in this basket.

Now we can see in recent history Bitcoin has been going up by about 50% a year and we think that will continue for a while. Now that will go down over time and it will continue to go down. But what we understand is when we understand these technology cycles using an S-curve, we know the biggest move is right here in front of us right now.

So we have about the next five years to capture this massive massive runup. Which is why we have a fiveyear plan. Okay?

And we believe that by the end of that runup in about 5 years, Bitcoin will be about the same size of global store value assets as gold. Bitcoin and gold will be about on par, about 20 trillion each. Now, if you want a full breakdown of this, I have a whole presentation where I explain all this in super great detail.

We'll link to it down below if you want to understand that. Okay? But that's why this is the cheat code.

It's the first asset that's going up this fast. And it allows us to do things that were typically only reserved for the wealthy that have a lot of money. Okay.

So, now that we have this new asset, this new cheat code, what kind of strategy can we deploy? Well, let's take a look. So number one because we have this growth potential what happens is historical growth rate equals self-reaying.

What does that mean? So we want to instead of selling assets we borrow against the assets right. So as long as the asset is growing faster than the rate of borrowing costs me then it's basically selfpaying.

If I have an asset going up by 50% and I can borrow against it at 15% I have a positive carry of 35%. I can do that forever. Number two, divisibility.

With an asset like Bitcoin, I can borrow against small portions of it, unlike real estate. So, with real estate, you have a million-doll building. You have to refinance the million dollars.

But what if you just need 50 grand, but you still got to refinance the million dollars, but I don't want to. That loan is good. I don't want to deal with the hassle.

Okay. With Bitcoin, I can borrow against I can take 5,000 or 10,000 50 or whatever divisibility that you want. Uh liquidity 247 global market for collateral liquidity.

The stock market's only open on uh banking hours on the weekdays. Again, trying to get money out of uh real estate could take a long time. I could literally pull out my phone right now and pull liquidity out against my Bitcoin in minutes directly from my phone.

Uh it's borderless, jurisdictionally free. I can use this money globally. Of course, if I take money from my house, if I refinance my house, it probably needs to stay in that same jurisdiction in the same type of asset.

But with Bitcoin, it's borderless, non-correlation, low correlation to traditional financial markets. So, it's completely out of the system and it's verifiable. So, I have true ownership.

When I get it, I have it. I know I have it. Nobody else has it.

That's what makes this asset the cheat code and uniquely positioned to pull off this strategy right now. Okay. So, if we compare this, remember this is the old way.

We don't like that. selling assets for income, paying taxes and withdrawals, depleting principal over time so you die with zero. Hope you don't outlive your savings.

Heaven forbid you live longer. Uh vulnerable to market timings, 40 years, that's a non-starter. So the strategy, the Chico strategy, the five-year retirement is allowing us to keep our assets so they continue to grow over time.

They continue to grow for the rest of our life. And even better, when I die and pass them on to my heirs, they keep growing for them. Okay.

Number two, we can borrow against our assets tax-free. So over here, when I sold my assets to pay for my life, then I had to pay the taxes. Remember all that money in my 401k was growing tax deferred, but when I pull it out, I got to pay taxes.

Over here, instead, I borrow against the asset and that money is debt. So it's taxfree. I don't pay any money on that.

Over here, I never deplete my principal. My principal continues to go up and up and up forever, which means I can pass wealth to the next generation. I don't have to hope that I die earlier than my money runs out.

Instead, I can live forever. My assets live forever. And that value gets passed to future generations.

It's immune to market timing risk. We don't have to worry about if the stock market's going to plunge for 15 years because we're not selling the asset. We don't need to sell at a high point or a low point.

We're not selling it. We're borrowing against it. And this allows us to have a fiveyear implementation time frame.

Even if you start right now, we're going to break down the math for you. So, let's take a look at this. Okay, so for the five-year blueprint, three simple steps.

Step number one, start getting some Bitcoin. You got to have some Bitcoin to do this. So, strategic accumulation.

Couple ways you can do this. Obviously, number one, just go buy it. We call that lump sum buying.

Number two, you can dollar cost average into it. Every two weeks, some of your paycheck can go into it if you want to do it that way, or you can just go buy some right now. I don't want to get into the ins and outs of which one is better.

They're both good. It depends on what you try to do based off of this or anything that we're talking about. If you want me to go deeper, leave it in the comments down below.

All right. Number two, then once we have the Bitcoin, we use strategic leverage, collateralized lending against that. And then the loans that we get become the cash flow that we can use.

Let me break this down for you with a calculator. Now, real quick, I want to let you get your own calculator. I have this done and I have a book right here that breaks all of this down into great detail.

And I want to give you this book for free. And I'm going to give you this calculator completely free. We'll link to it down below.

You can have it. It's not a trick. Go ahead and get it.

All right. So, here's how this works. I can put up here my starting date.

So, beginning of this year, 2025. And I can put in how much Bitcoin I have. So, let's say I start with one Bitcoin right here.

One Bitcoin, $100,000. Now, in five years, this Bitcoin will go up. Now, these are my projections of how much it will gain based off of the past history and what the government tells us as far as money printing will continue.

They project that for the next 30 years. Okay. So, and there's also on the calculator, you can go back test it on this on your own.

So, Bitcoin typically has three good years and then a draw down year. So, I imagine we'll continue that. Now, it doesn't continue going up at the same rate, but it also doesn't continue going down at the same rate.

So, I've modeled that as well. Again, go watch the full video on this model to understand this and you can plug in your own numbers. But if I have one Bitcoin right here, it's worth about $100,000 today.

And I wait until 2030, 5 years from now. I would then borrow against it $111,000. That's 13% of my total value.

I'm going to borrow 13% 13% LTV. I borrow 111,000. 11,000 of that goes into an interest reserve account.

It sits in an account and it makes my payment for me. That means I have $100,000 of free cash flow. I don't pay tax on it.

I can spend that $100,000 however I want. And what this will allow is every single year in perpetuity for me to pull out a $100,000 tax-free to live off on. So if this model holds, and I can break it down for you why I think it does, again, we'll link to that down below.

You could have one Bitcoin about $100,000 today and in five years from now pull out $100,000 in perpetuity. Now, let's compare this to what the traditional financial model is. Remember, half of the baby boomers who have money have about $200,000.

They're being told they can pull out about 4% per year. Uh heaven forbid the markets crash, which is about, you know, eight or $9,000 a year versus this the same. Well, the $200,000 will get them 200,000 a year.

So, would you rather wait 40 years, save up 200 grand and have 800 a month or, you know, n grand a year or would you rather have 200 grand and uh pull out 200 grand a year in 5 years? Obviously, the answer is pretty simple. Okay, so that's the math of this.

And like I said, I want to break all that down for you. So, go watch the other video. But we can understand also the next thing you're going to ask is, "But Mark, what about market cycles?

" Yes. So we can see that again we see know we know when they go up we know when they go down up and down. So here I might borrow only you know 10 to 15% against my stack.

Here I could feel good you know borrowing 50 to 60% against my stack. We can time all that and again the calculator models all of that. Now traditionally and again this is only possible to deploy these strategies of the 1% now because we have a new financial asset.

All you got to do is buy it and wait five years and not mess this up. Okay? Like I said, download the calculator, get the free book.

It's all free. I'll link to it down below. But wait, wait, wait.

I can already hear it. But Mark, Mark, Mark, what about all the risk? What about if?

What if? Uh, but Bitcoin's too volatile. Remember, smart riskmanagement strategies.

Understand where we're at in the cycle. Understand how much debt and leverage I want to put against it at different times. But what but what about the regulations?

Well, in the United States, the president of the United States is buying it. The US United States is buying it themselves. Uh, the regulations are are free and clear.

Is it is it really taxree? Of course, it's taxree because you're not taking out profit. You're taking debt.

Debt is not taxed. All right. What if I only have X?

What if I only have a little bit of money? Well, you can scale. You can scale up.

I put $100,000 for round numbers. Put 10,000. Put 1,000.

Put whatever number that you have. And then, of course, if you don't have the money that you need, go make more money. But again, you need one a small fraction of what you would need in the traditional financial system.

Uh, what about security? This is the big one. Okay.

What about security? Because if I if I did this with Celsius, if I did this with BlockFi and they went out of business, they went bankrupt, they stole the money, whatever it was, I didn't get my Bitcoin back. Yes.

So, number one, make sure you retain ownership of the Bitcoin. Make sure it stays in your name. Number two, make sure it's secured properly so it can't get stolen or hacked.

Number three, make sure you have some sort of like insurance against that. So in case something that you didn't account for happened, it's insured. And then number four, make sure you're using proper risk management on your own.

And again, in the book, again, you can have it for free down below. Will explain all of that to you in greater detail. Okay, here's what I want to leave you with.

If there's one thing I want to rail against the financial system, it's this. Okay, that strategy, it doesn't work. You don't want to do that.

There's no real path for success there. But most people could have this done in a couple of years. All right?

But all you have to do is don't mess this up. Don't mess this up. Look, I put this uh post on X the other day and it was like Larry Frink, the largest asset manager in the world, he says to buy Bitcoin.

And Radalia, the largest hedge fund in the manager in the world, says to buy Bitcoin. Donald Trump, the president of the United States, say buy Bitcoin. And you might still think it's like a scam.

You're not smarter than those guys. Do not mess this up. We have this very unique window right now for the next 12 to 24 months.

I showed you the charts why you have five years. Don't mess this up. All you do is take one easy step.

You just buy Bitcoin. You can outperform every single hedge fund in the in in the US, every single fund, every single retirement plan. You don't need to save 40 years.

This is literally the cheat code. One simple thing, but you're at a crossroads. You have two paths forward.

Do you take the 40-year path or do you take the less than fiveyear path? That's up to you. As I said in the quote earlier, it's not about being lucky.

It's about taking the right action. So, get your copy of the free book, read up on it, use the calculator, and figure out how you can apply this into your own life. Okay.

Now, if you want any more information on this, because I know there's a million questions, drop in the comments. We can make extra videos. But before you leave, make sure to watch this video right here where I predict where Bitcoin price will be 2030, 2040, and 2050 and show you the math why.

To your success, I'm out.