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Advice from traders on Instagram: "The wealthy use a simple strategy to legally minimize taxes: Buy, Borrow, Die. Buy: They purchase assets that grow over time, such as stocks, real estate, and businesses. Borrow: Instead of selling these assets and triggering taxes, they borrow against them. Loans are not considered taxable income, so they access cash without paying capital gains tax. Die: When they pass away, their heirs receive the assets with a step-up in basis, which eliminates decades of u