My 3 Bucket Strategy for Investing: How I Build Long-Term Wealth

Why I Invest This Way

investing strategy, how to invest, real estate investing, infinite banking, short-term investing, long-term investing, wealth building, financial freedom

For years, I’ve been focused on building wealth the right way—through consistent investing, smart leverage, and disciplined decision-making. My approach is simple:

  • I dollar-cost average into the market—$2,500 a month, no emotions, just automation.

  • I leverage Infinite Banking (IBC) and Liquidity Access Lines (LAL) to make my money work in multiple places at once.

I divide my investments into three buckets: Short-Term, Medium-Term, and Long-Term—each serving a different purpose in wealth building.

Which part of this strategy do you want me to dive deeper into? Comment below!

The 3-Bucket Investment Strategy

investing strategy, how to invest, real estate investing, infinite banking, short-term investing, long-term investing, wealth building, financial freedom

Short-Term Investments (1-24 Months) – 20% ish of My Portfolio

These are deals that generate fast, high returns. The key here is having collateral and ensuring you’re in a first-lien position when lending money.

Recent Deals:

  • Hard Money Loan – Loaned $175K at 17.5% for 7 months to a house flipper.

  • Land Subdivide in Midland, Texas – Invested $50K, earned 24% return on my money.

Biggest Lesson: Never invest without a clear exit plan and proper collateral.

Want more details on how I evaluate short-term deals? Let me know!

Medium-Term Investments (2-5 Years) – 10% ish of My Portfolio

These investments involve equity stakes, business acquisitions, and syndications. The key here is understanding the business model and having an exit strategy before investing.

Recent Deal:

  • Roofing Roll-Up Investment – Invested $50K and am also raising capital for the deal.

Biggest Risk: Investing in something you don’t fully understand. I always ask:

  • How does the business make money?

  • What’s the exit strategy?

  • Who are the key players running the deal?

Curious about how I evaluate business acquisitions? Drop your questions!

Long-Term Investments (5+ Years) – 70% ish of My Portfolio

This is where true wealth-building happens—assets that generate consistent cash flow and appreciate over time.

Recent Deals:

  • Buying the market every month – Consistent investing in stocks and ETFs.

  • Owning 32 apartment units – These assets generate cash flow and long-term appreciation.

Best Investment Ever?

  • Apartments – One down payment, and the value doubled in 7 years.

  • Never sell apartments—borrow against them instead.

Want me to break down one of my apartment deals in detail? Let me know!

Lessons from the Deals I Regret

A Deal I Should Have Avoided:

  • Loaned $135K on a house flip but was in 2nd position.

  • Still haven’t gotten my money back—could be a Ponzi scheme.

  • Lesson learned: Never lend money without being in the first position.

Want to hear more details about how I’m handling this situation? Ask below!

Key Investing Principles I Follow

investing strategy, how to invest, real estate investing, infinite banking, short-term investing, long-term investing, wealth building, financial freedom
  • ✅ Invest in the market every month—no emotions, just automation.

  • ✅ Never take big risks without collateral.

  • ✅ Trust is everything—vet every business partner thoroughly.

  • ✅ Leverage money wisely—use IBC and LAL to multiply investment opportunities.

What’s the biggest investment mistake you’ve made? Drop a comment!

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Mastering Infinite Banking Part 3: Leveraging Your Policy to Access Cash