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cover of episode How to retire with millions (and pay $0 taxes)

How to retire with millions (and pay $0 taxes)

2025/5/14
logo of podcast My First Million

My First Million

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A
Ankur Nagpal
S
Sam Parr
以《My First Million》播客主持人和企业家身份而闻名,专注于发现和分享高利润商业模式。
S
Shaan Puri
成功主持《My First Million》播客,分享创业策略和资源。
Topics
Ankur Nagpal: 我认识很多普通人,他们通过简单的投资在 Roth IRA 中积累了八到九位数的资产,而且无需缴纳任何税款。Roth IRA 是政府赠予纳税人的账户,你可以在其中放入税后资金,然后所有进一步的增长都是免税的,无论未来的税率有多高。你可以通过后门 Roth IRA 和超级后门 Roth IRA 来增加 Roth IRA 的投资额度,从而在退休时获得可观的免税收入。我建议大家尽早开始利用 Roth IRA 的优势,为自己的未来做好准备。 Sam Parr: 我们通常从不可靠的来源获取个人理财信息,例如我们的父母或电视上的财经节目主持人。这些来源的动机与我们的动机大相径庭,因此我们应该谨慎对待他们提供的信息。我们应该专注于赚更多的钱,增加收入,而不是仅仅关注节省税款。对于已经拥有指数基金的人来说,可以直接指数化来获得超额收益。 Shaan Puri: 我投资了一家名为 Freck 的公司,他们提供直接指数化服务,我在 25 万美元的投资中额外获得了 1.6 万美元的税收损失。FinTech 公司通常建立在其他资金池之上,所以 Freck 并不直接持有你的资金,托管人通常是其他公司。我建议大家可以考虑使用直接指数化来优化自己的投资组合,并获得更多的税收优惠。

Deep Dive

Shownotes Transcript

Episode 707: Sam Parr ( https://x.com/theSamParr) ) and Shaan Puri ( https://x.com/ShaanVP) ) talk to Ankur Nagpal ( https://x.com/ankurnagpal) ) about IRS loopholes that can help you grow your net worth plus Ankur shares 6 business ideas. 

See Ankur in person at the OOO SUMMIT on Friday, May 16th - https://lu.ma/2025

Show Notes:

(0:00) Ankur's portfolio experiment

(10:46) A case for direct indexing

(16:29) Super backdoor roth conversions

(20:59) Mega backdoor conversion

(23:52) IDEA: Executive Clinic for Aesthetics

(32:32) IDEA: Amish Farm Imports

(36:18) IDEA: Credit Card Agent

(43:01) IDEA: Homeownership app

(47:35) IDEA: Padel club

(56:31) IDEA: Buying a sports team

Links:

Steal Sam's guide to turn ChatGPT into your Executive Coach: https://clickhubspot.com/dvj)

• Teachable - https://teachable.com/

• Carry - https://carry.com/

• Frec - https://frec.com/

• Superpower - https://superpower.com/

• Flightfox - https://www.flightfox.com/

• Seats.aero - https://seats.aero/

• Home Depot Workshops - https://www.homedepot.com/c/kids-workshop

• The OOO Summit - https://lu.ma/2025

Check Out Shaan's Stuff:

• Shaan's weekly email - https://www.shaanpuri.com

• Visit https://www.somewhere.com/mfm) to hire worldwide talent like Shaan and get $500 off for being an MFM listener. Hire developers, assistants, marketing pros, sales teams and more for 80% less than US equivalents.

• Mercury - Need a bank for your company? Go check out Mercury (mercury.com)). Shaan uses it for all of his companies!

Mercury is a financial technology company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., and Evolve Bank & Trust, Members FDIC

Check Out Sam's Stuff:

• Hampton - https://www.joinhampton.com/)

• Ideation Bootcamp - https://www.ideationbootcamp.co/)

• Copy That - https://copythat.com)

• Hampton Wealth Survey - https://joinhampton.com/wealth)

• Sam’s List - http://samslist.co/)

My First Million is a HubSpot Original Podcast // Brought to you by HubSpot Media // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano