Be Smart Pay Zero Taxes: Use the Buy, Borrow, Die Strategy to Get Rich and Stay Rich

by Mark J. Quann

Overview

BUILD WEALTH. KEEP MORE. LIVE TAX-FREE.

Discover the strategies the ultra-wealthy use to grow their fortunes and legally avoid taxes — made simple for EVERYONE — with the ultimate guide to reducing your tax bill to zero. Learn the secrets the rich use to get rich, and STAY RICH, including:

• Master the S.M.A.R.T. system: Strategies to Maximize Assets and Reduce Taxes.
• Build your “Perfect Portfolio”: It is LIFE-CHANGING! 
• Leverage “The Five Pillars” of investing — stocks, real estate, life insurance, cryptocurrency, and precious metals — a bulletproof, tax-free financial plan.
• Implement the “Buy, Borrow, Die” strategy to grow and protect tax free wealth.
• Live off the “Borrow Button”: Unlock tax-free financial freedom by borrowing against your investments and never selling your assets.
• Learn how ANYONE can build $6 million in wealth, retire early, and live tax-free without relying on traditional retirement accounts.
• Turn modest earnings into millions, be financially independent, and LIVE RICH!

NEWSMAX: “If you want to pay NO TAXES get: BE SMART PAY ZERO TAXES: Use the Buy, Borrow, Die Strategy to Get Rich and Stay Rich! It’s possible!”

Product Details

ISBN-13:	9781630063108
Publisher:	Humanix Books
Publication date:	03/04/2025
Pages:	384
Sales rank:	7,717
Product dimensions:	6.00(w) x 8.90(h) x 0.90(d)

About the Author

MARK J. QUANN (KNOXVILLE, TN) is the founder & CEO of The Perfect Portfolio, a division of REMii Group, Inc.

Mark Quann grew up in a blue-collar family, his father a brick mason, his mother a stay-at-home mom. At times, they struggled to put food on the table, and growing up in the "poor neighborhood" offered little-to-no opportunity. Frustrated with the lack of financial education in school, Mark began asking his parents, "How do I make money?" They soon nick-named him "Money Mark."

Growing up, Quann disliked school and reading, and much of his education came from the school of hard knocks. After a time buried deep in cred card and student loans because of attending college for business and financial advising, Quann spent over two decades of investing and studying how money works, working as an insurance investigator and thirteen years as an Investment Advisor Representative (IAR).

In 2018, Quann started his own company called The REMii Group, Inc., and a financial education company in 2019 called “The Perfect Portfolio” which teaches an advanced tax-avoidance strategy known as “Buy, Borrow, Die.”  

Quann is the Amazon bestselling author of Top 10 Ways to Avoid Taxes: A Guide to Wealth Accumulation, Top 25 Ways an IUL can Secure Your Financial Future: And Build a Tax-Free Family Bank!, and Rich Man Poor Bank: What the Banks Don't Want You to Know About Money. 

Quann is a life-long, serial entrepreneur with a passion for financial education. And Quann also works with schools, non-profits, and community groups to spread financial education to anyone that wants to learn.

The author lives and works in the Knoxville, TN metro area.

Learn more about wealth building at ThePerfectPortfolio.com

REMiiGroup.com

Read an Excerpt

EPILOGUE to BE SMART PAY ZERO TAXES: Use the Buy, Borrow, Die Strategy to Get Rich and Stay Rich! by Mark J. Quann

As we reach the end of this book, I hope I achieved my three goals:

1. Did you find it simple and easy to understand? Making complex ideas simple isn’t easy, but I poured my effort into writing this book in a way that anyone can follow. If you found it to be a simple and easy read, I’d love to hear about your success after putting these strategies to work.
2. Was it worth the cost of the book? I aimed to deliver value in every chapter, whether through strategies that can help you save you huge amounts on taxes, make smarter investments, or both. If this book has given you even one actionable idea, I hope you’ll agree it was a worthwhile investment—and if you take the time to master the strategies, I truly believe it could help you make and save millions.
3. Did it change your thinking? If you find yourself nodding yes, then I consider it a success. My goal has been to offer you fresh ideas and perspectives to break free from old habits and beliefs, and to show that financial freedom is achievable—at any age. Now, it’s up to you to take action and transform your financial future.

If you’d like more guidance, please visit us at: www.ThePerfectPortfolio.com 

or check out our YouTube channel: @P2Wealth

We’re constantly creating new content to simplify and explain these strategies. Our mission is to help 1 million people become millionaires—and we’re dedicated to making it happen. The question is: Will you be one of them?

If you enjoyed this book, we’d truly appreciate it if you shared it with others and left a 5-star review on Amazon or Goodreads. Thank you so much for buying and reading my fourth book, coauthored with A.J. Merrifield.

Cheers!

—Mark and the team at The Perfect Portfolio

Table of Contents

TABLE OF CONTENTS to BE SMART PAY ZERO TAXES: Use the Buy, Borrow, Die Strategy to Get Rich and Stay Rich! by Mark J. Quann

Author’s Note: Finding My Purpose xi

A Note to Financial Advisors xii

1 The Pandemic Epiphany How I Discovered The Perfect Portfolio™ 1

2 Be S.M.A.R.T. Strategies to Maximize Assets and Reduce Taxes 5

3 What Is Money? Is a Cow Money? 11

4 The Millionaire Next Door Joe’s Journey to $6 Million by Never Selling 21

5 Avoiding “Dead Money” Invest in The Five Pillars That Can Secure Loans 25

6 Financial Alchemy How to Transform “Bad Debt” into “Good Debt” 29

Part One: Stocks and ETFs The First Pillar of a Buy, Borrow, Die Strategy 

7 Buy Low and Never Sell Stocks and ETFs, the First Pillar of Buy, Borrow, Die 35

8 Stocks and ETFs The Good, the Bad, and the Ugly 41

9 Buy More and Never Sell Using Fear and Greed to Amplify Your Returns 55

10 Buy, Borrow, Die It Really Is for Everyday Americans 59

11 The Basics of Financial Alchemy Press Buttons and Create Money! 63

12 IRA It IS a Retirement Account! 71

13 IRA  It ISN’T a Retirement Account (so Focus on Your Financial Independence) 77

14 Future-Proof Your Savings Borrow to Fund the Tax Benefits of a Roth IRA 79

15 Shielding Your Wealth Avoid Future Tax Hikes with a Backdoor Roth IRA 85

16 SPY vs SPY vs SPY One ETF, Three Outcomes 91

17 Municipal Bonds “Munis” for Tax-Free Money 97

18 Minimizing Your Tax Bill Strategies for Reducing Capital Gains Taxes 101

19 Turning Losses into Gains How Tax-Loss Harvesting Can Save You Money 107

20 Borrow, Again If You Can’t Beat ’Em, Join ’Em 111

Part Two: Real Estate The Second Pillar of a Buy, Borrow, Die Strategy 

21 Unlocking Tax-Free Savings The 2024 First-Time Homebuyers Tax Credit 117

22 Leveraging OPM The Tax-Efficient Path to Homeownership 121

23 The Home Mortgage Deduction Home Sweet Tax Break 127

24 The $250,000/$500,000 Home Sale Exemption Tax-Free Home Sale Jackpot 131

25 Depreciation on Rental Property Tax-Free Income for Real Estate Investors! 135

26 Cost Segregation Boosting Tax-Free Income for Real Estate Investors 139

27 Bonus Depreciation Supercharging Tax-Free Income for Real Estate Investors145

28 Business Ownership and Rental Income Buy One to Live In and One to Rent 151

29 Real Estate Professional Status The “Secret Sauce” to Pay No Taxes 155

30 The Home Office Deduction Your Tax-Saving Super Weapon 163

31 The Augusta Rule Unlocking Tax-Free Income Through Short-Term Rentals 167

32 The Short-Term Rentals Loophole A Powerful Tool for Tax Savings 175

33 House Hacking Transforming Your Home from Liability to Tax-Free Asset 181

Part Three: Income and Asset Protection The Third Pillar of a Buy, Borrow, Die Strategy 

34 Maximizing the Benefits of Term Life Insurance  Protecting Wealth with Smart Riders 189

35 Indexed Universal Life Insurance The Swiss Army Knife of Investing and Tax Avoidance 195

Part Four: Cryptocurrency The Fourth Pillar of a Buy, Borrow, Die Strategy 

36 Bitcoin vs Bucks  Why Digital Coins Beat the Unlimited Dollar Machine 209

37 Bitcoin ETFs  The Smart Way to Hold Digital Gold Without the Hassle 219

Part Five: Precious Metals The Fifth Pillar of a Buy, Borrow, Die Strategy 

38 Golden Opportunities Leveraging Buy, Borrow, Die to Acquire Gold and Precious Metals 229

Part Six: Business Ownership The Solid Foundation of a Buy, Borrow, Die Strategy 

39 Tacos, Tequila, and Tax Breaks Maximizing Your Business Deductions 237

40 S-Corp Secrets  How to Slash Your Taxes and Keep More of Your Money 243

41 Turning Learning into Earning Making Education a Business Expense 249

42 Section 179 Savings Buy a Tesla for Your Business 253

43 Tax-Savvy Health How to Save on Taxes While Protecting Your Well-Being 259

44 Year-End Tax Planning Bigger Savings in the Final Stretch 263

Part Seven: Advanced Concepts Improving the Performance of a Buy, Borrow, Die Strategy

45 Rollover Danger Why Great Returns May Not Be Great for You 273

46 Finding a Fiduciary Who Wants to Play Where’s Waldo? 277

47 Leveraging Correlation Amplify Returns with the Buy, Borrow, Die Strategy 283

48 Live off the Borrow Button Unlocking Tax-Free Financial Freedom 295

49 Will You Own Nothing and Be Happy? 301

Epilogue 307

Real Estate Simplified 309

How to Get Wealthy . . . Simplified 311

Glossary of Terms 313

Bonus Stock Report 325

Knowledge Quiz and Study Guide 331

Knowledge Quiz and Study Guide Answer Key 349

Index 357

About the Authors 371

Preface

AUTHOR'S DEDICATION from BE SMART PAY ZERO TAXES: Use the Buy, Borrow, Die Strategy to Get Rich and Stay Rich! by Mark J. Quann

"This book is dedicated to the working man—the average American who goes to work each day and pays his taxes. It is for those who have labored in factories and on assembly lines, building the very fabric of our country. To the HVAC workers, carpet cleaners, plumbers, electricians, and roofers, and to those who build chimneys and fireplaces. This book is for all who have mixed concrete under the hot sun or spent weeks drilling concrete in the dirt beneath houses. It is dedicated to the security guards, private investigators, and the kids who didn’t like school and dropped out of college. I can relate. I’m one of you."

—Mark J. Quann