My 3 Bucket Strategy for Investing: How I Build Long-Term Wealth
Why I Invest This Way
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
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
✅ 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!