the easiest way to become a millionaire in 2025

SUMMARY

An entrepreneur who became a multi-millionaire details a strategy for accessing $100,000 in 0% interest business credit to invest in Bitcoin miners, leveraging the dollar's decline against Bitcoin's rise since 2020.

STATEMENTS

Bitcoin has risen over 1,000% since 2020, while the US dollar's purchasing power has dropped 40% in the same period.
Business credit cards offer 0% interest loans that can be used to buy Bitcoin, a deflationary asset with a fixed supply of 21 million.
Building a strong personal credit profile is essential as it serves as the gateway to securing high-limit business credit cards.
Becoming an authorized user on a family member's established credit card allows inheriting their credit history, score, and age for quicker access to premium banks.
Setting up an LLC in a low-risk industry like consulting, marketing, or advertising is a straightforward step using services like LegalZoom or IncFile for under a few hundred dollars.
Seasoning bank accounts with significant deposits—$5,000 in personal and $20,000 in business checking—optimizes approvals for credit cards at tier-one banks like Chase, Bank of America, and US Bank.
Applying for personal credit cards in a sequenced manner, such as Chase Freedom Unlimited first, followed by United Mileage Plus and Chase Sapphire Reserve after 91-day intervals, builds credit history without denials.
Maintaining low utilization under 10%, diverse credit mix, and fewer than two hard inquiries in six months ensures optimal personal credit for business applications.
Business credit cards from American Express, Chase, Bank of America, and US Bank can provide $100,000 or more at 0% interest, approved based on personal credit without income verification.
Purchasing Bitcoin miners with 0% credit allows direct payment, generates Bitcoin over time, and qualifies for 100% tax write-offs, effectively mining at a discount compared to spot prices.

IDEAS

Leveraging the fiat system's free borrowing against Bitcoin's scarcity creates a wealth transfer from depreciating dollars to appreciating hard money.
Inheriting credit history via authorized user status bypasses years of building credit, instantly granting access to elite banking tiers.
Sequencing credit card applications with precise 91-day waits exploits bank algorithms for higher limits and approvals based on data from thousands of cases.
Depositing and then withdrawing funds from multiple bank accounts simulates established business activity, tricking systems into higher credit allocations.
Optimistic projections on business revenue, spend, and employee count during applications inflate approvals without verification, rewarding bold estimates.
Wiping hard inquiries post-approval on business cards keeps personal credit pristine for endless credit rounds, enabling perpetual 0% capital access.
Mining Bitcoin via credit-financed hardware avoids cash advance fees and exchange markups, while providing tax deductions that amplify net gains.
Bitcoin's projected $1 million price in 10 years turns passive holding into millionaire status, with self-banking via collateralized loans emerging next.
The dollar's collapse accelerates a "Bitcoin black hole" sucking global value, making delayed repayments on 0% debt increasingly favorable.
Exclusive programs like Credit Class and Leverage Mining democratize this strategy, saving millions in taxes through community-vetted processes.

INSIGHTS

Systemic fiat inflation inherently favors borrowers who deploy cheap debt into scarce assets like Bitcoin, inverting traditional savings risks.
Credit ecosystems reward simulated stability and optimism, allowing outsiders to game approvals through borrowed history and strategic timing.
Tax-efficient mining bridges immediate credit leverage with long-term Bitcoin accumulation, compounding wealth via deductions and halvings.
Perpetual credit cycling via inquiry removal creates infinite 0% capital loops, decoupling personal finances from business scaling.
Bitcoin's fixed supply and adoption trajectory position it as the ultimate store of value, enabling self-sovereign lending that obsoletes traditional banks.
Collective value migration to Bitcoin demands proactive escape from dollar dependency, turning economic decay into personal abundance.

QUOTES

"We can borrow US dollars for free at 0% interest with business credit cards. And we can utilize that money to buy Bitcoin, which is hard money with a supply of 21 million."
"Bitcoin will be $1 million over the next 10 years. Okay? You can come back to this video in 10 years and I promise you I will be correct."
"We're literally taking the dying dollar and we're converting it into the hardest money of all time for our clients."
"If you tell them you're only going to make 98K for the year, they're not going to give you a lot of money, right? Be optimistic."
"All you have to do is nothing. Just hold the Bitcoin for the next 5 to 10 years and you will become a millionaire."

HABITS

Pay off credit cards to zero balance frequently, ideally before statement dates, to maintain under 10% utilization and boost scores.
Set up auto-pay three days before due dates on all accounts to ensure perfect on-time payments and avoid negative history.
Use cards regularly for small subscriptions or purchases to prevent inactivity closures while keeping balances low.
Monitor credit reports via services like Identity IQ or Experian to confirm zero balances and wipe inquiries promptly.
Keep all credit accounts open indefinitely to preserve average age and history, never closing them despite advice to the contrary.

FACTS

Bitcoin's value has increased over 1,000% since 2020, contrasting with a 40% drop in the US dollar's purchasing power.
Bitcoin has a fixed supply cap of 21 million coins, making it deflationary as demand grows and halvings reduce new issuance.
Mining one Bitcoin currently costs about $90,000 via hardware, compared to a spot price of $118,000, offering a built-in discount.
Approved business credit limits can reach $50,000 or more at 0% interest when applying through relationship managers at banks like Chase.
Programs like Leverage Mining have processed nearly $1 million in credit card payments for Bitcoin miners since 2022, saving clients $2.3 million in taxes last year.

REFERENCES

LegalZoom and IncFile for easy LLC formation.
Chase Freedom Unlimited, United Mileage Plus, and Chase Sapphire Reserve credit cards.
American Express Business Platinum, Business Plus, and Business Cash cards.
Credit Class program for credit optimization and application guidance.
Leverage Mining company for Bitcoin miner purchases and tax write-offs.
Identity IQ and Experian for credit monitoring.

HOW TO APPLY

Build personal credit by becoming an authorized user on a family member's high-limit, long-history credit card to inherit a 700+ score and access tier-one banks like Chase immediately.
Form an LLC in a low-risk industry such as consulting or marketing using LegalZoom or IncFile, obtain a free EIN, and secure articles of organization to establish business legitimacy.
Schedule appointments with relationship managers at three top banks (e.g., Chase, Bank of America, US Bank), open personal and business checking accounts, and deposit $5,000 in personal and $20,000 in business accounts to season them for approvals.
Apply for Chase personal cards in sequence: Freedom Unlimited first (use for 91 days, pay off), then United Mileage Plus (another 91 days), followed by Sapphire Reserve, ensuring zero balances and under two inquiries.
Transition to business credit by applying for American Express Business Platinum first, then Plus and Cash cards, using optimistic revenue and spend projections; follow with Chase business cards via relationship manager, wiping inquiries between banks.

ONE-SENTENCE TAKEAWAY

Leverage 0% business credit to mine Bitcoin, turning fiat decay into multi-millionaire wealth over the next decade.

RECOMMENDATIONS

Start as an authorized user on established credit to fast-track a strong profile without years of solo building.
Sequence card applications with 91-day intervals to maximize limits and avoid denials based on proven data patterns.
Use credit directly for Bitcoin miners to claim 100% tax deductions and bypass exchange fees for discounted accumulation.
Wipe hard inquiries after business approvals to enable unlimited credit rounds without personal score impacts.
Join vetted programs for guided capital access and community support to scale investments efficiently.

MEMO

In an era of eroding fiat currencies, one entrepreneur has cracked a code to millionaire status: harnessing 0% interest business credit to fuel Bitcoin investments. Having executed this playbook since 2020, he transformed modest borrowing into multi-millions by betting on Bitcoin's relentless ascent—up over 1,000% while the dollar withered 40% in purchasing power. The strategy sidesteps traditional savings traps, instead borrowing "free" dollars from the dying system to acquire the scarcest asset on Earth, capped at 21 million coins.

The foundation lies in personal credit alchemy. Beginners "cheat" the system by piggybacking on a relative's pristine card as an authorized user, inheriting decades of history and a 700+ score overnight. This unlocks elite banks like Chase, where sequenced applications—Freedom Unlimited for starters, escalating to Sapphire Reserve—build limits from $1,000 to $10,000-plus over 91-day cycles. An LLC in a safe sector like consulting, formed via simple online tools for pennies, pairs with seeded bank accounts to simulate thriving enterprises, priming approvals without income scrutiny.

Business credit elevates the game, untethered from personal liability. American Express cards lead with generous limits—up to $35,000 at zero interest—followed by Chase's heavy hitters through relationship managers who favor million-dollar revenue projections. Banks like Bank of America and US Bank follow, yielding $100,000 total in 0% capital. Key: optimistic applications boasting high spend and staff, plus post-approval inquiry wipes to keep the pipeline flowing indefinitely.

Deployment demands cunning. Skip direct Bitcoin buys on exchanges, which trigger fees; instead, charge miners outright for 100% tax write-offs and passive generation. At $90,000 per rig versus Bitcoin's $118,000 spot, it's an instant discount, mining a full coin over four years. Hold through halvings and adoption waves—projected to $1 million by 2035—and refinance against holdings for endless leverage, evolving into Bitcoin-collateralized mortgages sans credit checks.

This "Bitcoin black hole" sucks global value from inflating dollars, rewarding patient borrowers. Yet success hinges on discipline: zero-balance habits, auto-pays, and community guidance via exclusive programs that have funneled millions into hard money, saving fortunes in taxes. As fiat falters, this blueprint offers escape—not just wealth, but sovereignty in a matrix unraveling at the seams.