This Week’s Insight

Here’s a truth few people realize: the wealthiest families in America love debt.

Of course, not all debt. They’re not running up credit card balances or financing depreciating cars. The debt they love is the kind that creates cash flow.

Think about banks for a second. Their entire model is built on debt:

This is why banks have historically been some of the most powerful institutions in the world. They don’t just participate in the system, they are the system.

Wealthy families figured this out long ago. They stopped thinking like consumers and started thinking like banks.

The Wealthy Playbook

When most people hear the word “debt,” they think of risk, stress, and payments. But for the wealthy, debt is a tool:

In all these cases, the debt isn’t a liability, it’s an engine. It enables control, cash flow, and wealth creation.

Meanwhile, the average American is told to “avoid debt at all costs.” That advice is safe, but it also locks them into a consumer mindset.

Takeaway

The truth is simple: if you want to build lasting wealth, it’s not enough to own assets, you need to own cash flow.

That’s why the wealthy love debt. Because when they’re on the lending side of the equation, they’re not worrying about volatility, market swings, or short-term noise. They’re focused on steady, dependable returns.

Cash flow beats speculation.
Predictable beats flashy.
And thinking like a bank beats thinking like a consumer.

Eppler Capital Update

At Eppler Capital, we build on this exact principle. We currently offer two opportunities that allow investors to participate on the lending side of the table:

If you’d like to discuss how this approach can fit into your portfolio, you can grab time on my calendar here: Schedule time on my calendar.

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