Ben SimpsonNavigating the world of crypto with confidence & expertise | Founder & CEO of Collective Shift

The wealthy never sell, they do this instead! Lending lets you access capital without triggering tax

Name: The wealthy never sell, they do this instead! Lending lets you access capital without triggering tax
Uploaded: 2025-11-09T00:28:25+00:00
Duration: 55 s
Channel: Ben Simpson
Description: Ben Simpson explains that wealthy investors avoid selling appreciated assets and instead borrow (lend against) them to access capital without triggering…

9 Nov 2025 · 1 min

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Ben Simpson explains that wealthy investors avoid selling appreciated assets and instead borrow (lend against) them to access capital without triggering capital gains tax. He applies this to crypto—specifically Bitcoin and Ethereum—citing recent availability (JP Morgan offering lending) and giving example figures for crypto compounding (30–40%/yr) versus lending rates (7–8%). He states this is his personal strategy: accumulate Bitcoin and borrow against it to fund living or purchases while letting Bitcoin compound.

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This one move separates crypto investors from crypto experts. And hint, it is what the rich do with their assets and that is lending against it. This is for the first time now available for Bitcoin and Ethereum. JP Morgan just announced you can start to lend against your Bitcoin Ethereum. This is what all the wealthy do in every other asset class. They use it with property, stocks or even businesses. You can lend against your asset without selling it and incurring a capital gain. So essentially what you do is you buy and accumulate, as an example, Bitcoin. And you can lend against Bitcoin without selling it to cash flow that asset to buy other things and live your life. As an example, Bitcoin right now is compounding at 30 to 40% per year. You can lend against your Bitcoin at 7%, 8% depending on what lending provider you utilize. And you can cash flow the asset to utilize to buy other assets to live your life while compounding Bitcoin and not selling it, incurring capital gain. This is why I'm accumulating and trying to grow my Bitcoin portfolio as much as I can, because it is how you grow and multiply your wealth.