Ladies and gentlemen, I believe I have stumbled across an awesome strategy. Its not magic, its not a miracle. But it seems like an incredible short medium and long term play.

Before I begin there are a lot of very specific variables that come into play. So please don't just take the idea and go do it on your own because there's a good chance it won't work correctly even with some professionals. I'm more than happy to tell you all my secrets for free. So, yea be careful.

but basically, here it is...

I purchase a whole life policy (life insurance), different versions for different reasons. After about year 2 or 3... the cash value will increase by about the amount you pay into it.. dollar for dollar (normally more including the interest)

so, you have this cash account growing tax-free and protected from the markets and the economy. That you can either take policy loans on yourself, or get a collateralized loan from a bank. You can use that money for whatever you want whenever you want. But here's another cool thing, your money is growing at around 7% tax-free (Conservative). The policy loan charges about 4%. This means while you have your policy loan outstanding, you are still making the interest spread on your entire amount. Because technically your money is still in the fund. It has just been loaned on.

reach out and connect with me there's more details to give, but I'm looking for people to try to shoot my idea down honestly.. help me find the holes that I don't see. I've met with two different firms and narrowed the specifics. Let me know what you think!