10 Hidden Tips to Build Wealth

10 Hidden Tips to Build Wealth That Rich People Won't Share (2025)

Ever wondered why the best tips to build wealth seem closely guarded by those who already have money? The wealthy aren't exactly handing out their playbooks at dinner parties.

While conventional financial advice tells you to save more and spend less, the truly affluent use sophisticated strategies that rarely make headlines. Despite what financial gurus might suggest, building substantial wealth requires more than just budgeting apps and compound interest calculators.

The gap between average earners and the wealthy often comes down to specific financial techniques that aren't commonly shared. Surprisingly, many of these strategies are perfectly legal and accessible—if you know where to look.

From tax-loss harvesting to donor-advised funds, this article reveals ten powerful wealth-building methods that can dramatically accelerate your financial growth. These aren't get-rich-quick schemes but rather calculated approaches that wealthy individuals actually use to protect and multiply their assets.

Leverage Tax-Loss Harvesting

_{Image Source: Investopedia}

Tax-loss harvesting stands as one of the most powerful yet underutilized strategies for building wealth. This financial technique allows investors to sell investments at a loss to offset capital gains from other profitable investments, essentially reducing their tax burden.

Leverage Tax-Loss Harvesting Explanation

Tax-loss harvesting capitalizes on the balance between capital losses and capital gains to minimize an investor's tax burden ^[1]. When you sell an investment for less than you paid, you create a capital loss that can offset taxable gains elsewhere in your portfolio. Furthermore, if your losses exceed your gains, you can deduct up to $3,000 against ordinary income per year ($1,500 if married filing separately) ^[2]. Any additional losses can be carried forward indefinitely to future tax years ^[2].

This strategy essentially transforms losing investments into tax winners ^[2]. For instance, selling a stock that's down $15,000 allows you to offset $15,000 in capital gains, potentially saving thousands in taxes depending on your tax bracket ^[3].

Why Leverage Tax-Loss Harvesting Is Hidden

The wealthy keep this strategy quiet because it primarily benefits those in higher tax brackets ^[4]. Additionally, most financial advisors don't actively promote it since it requires continuous monitoring and sophisticated planning. The strategy also works best in taxable accounts with varied portfolios that provide more opportunities to harvest losses without altering overall strategy ^[1].

Another reason this remains hidden is its complexity - effectively executing tax-loss harvesting requires understanding specific IRS rules like the wash-sale rule and tax lot identification ^[1].

How to Apply Leverage Tax-Loss Harvesting

To implement this strategy effectively:

1. Monitor your portfolio regularly for loss opportunities throughout the year, not just at year-end ^[5].

2. When selling at a loss, be careful to avoid the wash-sale rule by not purchasing the same or "substantially identical" securities within 30 days before or after the sale ^[4].

3. Consider specific tax lots when selling - target high-cost lots first to maximize losses ^[1].

4. Reinvest the tax savings back into your portfolio - research shows this is the most important factor for maximizing benefits ^[5].

This strategy works best when incorporated into a year-round tax planning approach rather than as a one-time tactic ^[4].

Use a Backdoor Roth IRA

_{Image Source: ODs on Finance}

The backdoor Roth IRA represents a clever financial maneuver that allows high-income earners to bypass income restrictions and still enjoy the tax-free growth benefits of Roth accounts.

Use a Backdoor Roth IRA Explanation

A backdoor Roth IRA isn't a special type of account but a two-step strategy that circumvents income limitations. First, you contribute after-tax dollars to a traditional IRA (up to $7,000 in 2025, or $8,000 if you're 50 or older) ^[6]. Subsequently, you convert those funds to a Roth IRA ^[7]. Unlike direct Roth contributions, which have strict income eligibility requirements, there are no income limits for conversions ^[6]. This technique allows your investments to grow tax-free, with qualified withdrawals remaining untaxed in retirement ^[8].

Why Use a Backdoor Roth IRA Is Hidden

This strategy remains relatively obscure primarily because it benefits high-income individuals who would otherwise be disqualified from Roth contributions ^[8]. Moreover, the IRS hasn't formally provided guidance on whether this approach violates the "step-transaction rule," creating some uncertainty ^[9]. Wealthy individuals often prefer keeping such tax-minimization strategies private to avoid regulatory scrutiny. Additionally, the strategy's effectiveness can be complicated by the pro-rata rule, which may trigger unexpected tax consequences for those with existing traditional IRAs ^[10].

How to Apply Use a Backdoor Roth IRA

To implement this wealth-building technique:

1. Make a nondeductible contribution to a traditional IRA with after-tax dollars.
2. Wait approximately 30 days before conversion to ensure the contribution appears on separate statements ^[4].
3. Convert the traditional IRA funds to a Roth IRA.
4. Complete IRS Form 8606 when filing taxes to report the nondeductible contribution ^[4].

Remember that the pro-rata rule will apply if you have existing pre-tax traditional IRA assets. Under this rule, the IRS treats all your non-Roth IRAs as one tax entity when calculating taxes owed on conversion ^[6].

Automate Wealth with Micro-Investing Apps

_{Image Source: Budgeting, Investing, and Planning}

Micro-investing apps have emerged as innovative wealth-building tools, making investing accessible to everyone regardless of financial knowledge or starting capital. These mobile applications simplify the investing process through automation and small-dollar contributions.

Automate Wealth with Micro-Investing Apps Explanation

Micro-investing platforms enable users to invest small amounts regularly through automated processes ^[11]. The most powerful feature is the "round-up" functionality, which automatically invests spare change from everyday purchases into diversified portfolios ^[12]. For instance, when buying a $3.75 coffee, the remaining $0.25 is automatically invested ^[13]. Many apps offer fractional shares, allowing users to purchase portions of stocks with as little as $1.00 ^[14]. Additionally, these platforms typically include professionally designed portfolios based on users' risk tolerance and financial goals ^[11].

Why Automate Wealth with Micro-Investing Apps Is Hidden

Ironically, this strategy remains relatively unknown primarily because financial advisors rarely promote it due to its low commission potential ^[15]. Furthermore, the wealthy often dismiss micro-investing because the initial amounts seem insignificant compared to traditional investment methods. Yet, through compound interest, even small contributions grow substantially over time. Research shows that investing just $50 monthly with a 7% annual return would grow to $8,704 after ten years ^[5]. However, adding a $350 monthly auto deposit would increase this to approximately $69,637 ^[5].

How to Apply Automate Wealth with Micro-Investing Apps

To maximize this strategy, first select an app that matches your financial goals. Popular options include Acorns, Stash, and SoFi ^[16]. Next, set up recurring contributions alongside round-up features to build your portfolio consistently ^[11]. Then, take advantage of educational resources provided by these platforms to improve your financial literacy ^[11]. Finally, consider pairing micro-investing with larger monthly contributions as your income grows ^[5]. Remember that micro-investing alone typically won't fund retirement, so gradually increase your contributions whenever possible ^[17].

Exploit Credit Card Arbitrage

_{Image Source: Investopedia}

Credit card arbitrage represents a sophisticated financial maneuver that savvy individuals use to grow wealth. This strategy flips the traditional view of credit cards from debt instruments to wealth-building tools.

Exploit Credit Card Arbitrage Explanation

Credit card arbitrage involves borrowing money from credit cards at a low interest rate (typically 0% introductory APR) and investing those funds at a higher interest rate to generate profit ^[3]. These introductory periods commonly last 12-15 months ^[3]. The borrowed funds can be placed in savings accounts, money market accounts, or certificates of deposit (CDs), where interest rates might range between 1-5% ^[3]. For example, borrowing $5,000 at 0% and investing in a 12-month CD paying 2% could yield approximately $100 in interest income ^[3].

Why Exploit Credit Card Arbitrage Is Hidden

This strategy remains concealed primarily because credit card companies profit significantly from wealthy customers through interchange fees. In 2018, American Express alone collected over $24 billion in swipe fees ^[1]. Additionally, the wealthy disproportionately benefit from this system—a family spending $250,000 annually on a premium credit card with 2.5% cash back receives about $6,250 in rewards, worth over $10,000 in pre-tax wages ^[1]. Furthermore, the tax system categorizes rewards as tax-free "rebates," making this benefit even more valuable for high-income individuals ^[1].

How to Apply Exploit Credit Card Arbitrage

To implement this strategy effectively:

1. Select cards offering the longest 0% introductory period possible (aim for 12+ months) ^[18]
2. Read the fine print carefully for hidden fees or spending requirements ^[18]
3. Set up automated payments to avoid missing minimum payments, which would terminate the 0% rate ^[3]
4. Choose low-risk investments that mature before the promotional period ends ^[19]
5. Account for taxes on investment gains, as interest income is taxed at higher rates than capital gains ^[3]

Remember that the risk increases if you miss payments—your rate could jump to 30%, costing approximately $4 per day on a $5,000 balance ^[3].

Invest in Real Estate via REITs

_{Image Source: Silver Star Properties REIT}

Real Estate Investment Trusts (REITs) offer an exceptional gateway to property investing without the headaches of direct ownership. This powerful wealth-building vehicle remains underutilized by average investors despite its remarkable advantages.

Invest in Real Estate via REITs Explanation

REITs are companies that own, operate, or finance income-producing real estate across various sectors. By law, REITs must distribute at least 90% of their taxable income as dividends annually ^[4]. This requirement creates steady dividend streams typically higher than traditional stocks ^[20]. REITs provide access to commercial real estate including office buildings, shopping centers, apartments, healthcare facilities, and data centers ^[21]. Importantly, REITs have historically delivered competitive total returns through high dividends plus moderate long-term capital appreciation ^[21].

Why Invest in Real Estate via REITs Is Hidden

Notably, this strategy remains obscured primarily because many confuse homeownership with real estate investing. In reality, a residential home is primarily a consumption good requiring regular payments, whereas commercial real estate generates continuous rental income ^[22]. Additionally, financial advisors often maintain inadequate REIT allocations in client portfolios—many actively managed equity funds are consistently underweight in REITs ^[22]. Consequently, approximately 170 million Americans already access real estate through REITs without fully recognizing it ^[4].

How to Apply Invest in Real Estate via REITs

To implement this strategy effectively:

1. Open a brokerage account and purchase REIT shares individually or through REIT mutual funds/ETFs ^[4]
2. Consider allocating 5-15% of your portfolio to REITs for optimal diversification benefits ^[4]
3. Include REITs in retirement accounts like IRAs where dividends can grow tax-advantaged ^[4]
4. Seek professional advice if needed—78% of financial advisors recommend REITs to their clients ^[4]

Studies show REITs can extend retirement savings significantly—adding just a 10% REIT allocation to a traditional portfolio has historically increased returns without substantially raising volatility ^[23].

Use Insurance as a Wealth Tool

_{Image Source: Charles Schwab}

Beyond its conventional role as financial protection, permanent life insurance serves as a powerful wealth-building instrument that the affluent utilize strategically.

Use Insurance as a Wealth Tool Explanation

Permanent life insurance policies offer more than death benefits—they create tax-advantaged cash value that grows throughout your lifetime. Unlike term policies, whole life and universal life insurance accumulate value that grows tax-deferred ^[8]. This cash reserve can be accessed through tax-free loans or withdrawals, providing liquidity without triggering income taxes ^[24]. For high-net-worth individuals, properly structured insurance becomes an alternative investment vehicle outside traditional market-correlated assets ^[25]. The death benefit proceeds can even pay estate taxes or provide immediate liquidity to beneficiaries ^[26].

Why Use Insurance as a Wealth Tool Is Hidden

This strategy remains concealed primarily because 67% of Americans rely solely on workplace coverage, which lacks wealth-building features ^[27]. Additionally, financial advisors without specialized insurance training often overlook these complex strategies ^[28]. Wealthy families intentionally keep these approaches private, as they offer unique tax advantages—including estate tax exclusion when policies are held in irrevocable trusts ^[27]. Furthermore, the current estate tax exemption of $13.61 million per individual (2024) will decrease by approximately half after 2025, making insurance planning increasingly valuable ^[27].

How to Apply Use Insurance as a Wealth Tool

To implement this strategy:

1. Consider permanent insurance options (whole life provides guaranteed growth; universal life offers flexibility) ^[24]
2. Establish an irrevocable life insurance trust (ILIT) to exclude death benefits from your taxable estate ^[9]
3. Use policy loans for investment opportunities without traditional lender restrictions ^[7]
4. Implement early while in good health to secure lower premiums ^[27]

Create a Donor-Advised Fund

_{Image Source: Anchor Capital Advisors}

The intersection of philanthropy and wealth-building creates an opportunity many investors overlook: the donor-advised fund (DAF). This financial vehicle allows strategic giving while simultaneously providing substantial tax benefits.

Create a Donor-Advised Fund Explanation

A DAF functions as a charitable investment account established at a public charity where your contributions qualify for immediate tax deductions ^[29]. After donating cash, securities, or other assets, these funds can grow tax-free until you recommend grants to your preferred charities ^[29]. Unlike private foundations, DAFs require minimal administrative effort—the sponsoring organization handles paperwork and administration ^[30]. Many DAFs can be established within 48 hours ^[31], with some requiring as little as $5,000 initial contribution ^[32], though others may require $25,000 ^[33].

Why Create a Donor-Advised Fund Is Hidden

Wealthy individuals keep this strategy private primarily because it allows them to offset high-income years with charitable deductions without immediately deciding on recipients ^[33]. Additionally, DAFs enable tax-free growth of donated assets ^[34], potentially increasing charitable impact over time. The ability to donate complex appreciated assets—including cryptocurrency, real estate, and private business interests—offers significant tax advantages by eliminating capital gains taxes ^[35].

How to Apply Create a Donor-Advised Fund

To implement this strategy:

1. Select a sponsoring organization (community foundation or financial institution)
2. Complete donor application forms ^[36]
3. Fund your DAF with cash or appreciated assets
4. Choose investment options for potential tax-free growth
5. Establish a succession plan for your DAF to extend your giving legacy ^[29]

Borrow Strategically Against Assets

_{Image Source: BofA Securities - Bank of America}

Wealthy individuals rarely share one of their favorite wealth-building secrets: using debt strategically. Instead of depleting assets for cash, they borrow against them—preserving growth potential while accessing liquidity without triggering taxes.

Borrow Strategically Against Assets Explanation

Strategic borrowing involves using appreciating assets as collateral for loans, creating a double tax advantage. First, you avoid capital gains taxes that would result from selling investments. Second, loan proceeds aren't counted as taxable income ^[37]. This approach allows your investments to continue growing while providing access to cash. Common borrowing options include securities-based lines of credit (SBLOCs) that let you borrow 50-95% of eligible asset value ^[38], home equity lines of credit (HELOCs), and asset-backed mortgages ^[39].

Why Borrow Strategically Against Assets Is Hidden

This strategy remains obscure primarily because personal balance sheets of high-net-worth individuals often resemble complex businesses ^[40]. Furthermore, many financial advisors lack familiarity with sophisticated lending strategies. The wealthy intentionally keep quiet about this approach—it enables them to access significant amounts of untaxed cash to live luxuriously while their wealth continues growing, untaxed, indefinitely ^[10]. Moreover, unlike traditional income that faces high tax rates, this method essentially creates tax-free spending power.

How to Apply Borrow Strategically Against Assets

To implement this strategy effectively:

1. Evaluate appropriate assets to leverage—real estate often works better than retirement accounts, which can trigger penalties ^[37]
2. Establish a securities-based line of credit or HELOC with favorable terms
3. Use borrowed funds for strategic purposes: tax payments, real estate investments, or business opportunities ^[38]
4. Consider the risks carefully—market fluctuations could trigger maintenance calls requiring additional collateral ^[39]
5. Develop an exit strategy before borrowing ^[39]

Remember that this approach works best for those with significant assets and strong credit profiles.

Use Offshore Accounts Legally

_{Image Source: International Tax Law}

Contrary to popular belief, offshore banking is a legitimate wealth-building strategy when handled properly. This misunderstood approach offers unique financial advantages while remaining fully compliant with legal requirements.

Use Offshore Accounts Legally Explanation

Offshore accounts are simply financial accounts established in jurisdictions outside your home country. These accounts are entirely legal when properly disclosed and maintained in accordance with tax laws ^[6]. The key distinction lies in compliance—having offshore accounts isn't illegal unless they're used to evade taxes ^[41]. Legitimate reasons for offshore banking include diversifying investments, protecting assets from economic instability, and facilitating international transactions ^[41].

Why Use Offshore Accounts Legally Is Hidden

This strategy remains concealed primarily because offshore banking has unfortunately developed negative connotations over time ^[6]. Media coverage focuses on illegal activities rather than legitimate uses. Additionally, many financial advisors lack expertise in international banking regulations. The wealthy keep these strategies private to avoid scrutiny, even though offshore accounts provide advantages like risk diversification across multiple jurisdictions ^[42].

How to Apply Use Offshore Accounts Legally

To implement this strategy:

1. Disclose all offshore accounts to tax authorities using required forms such as FBAR (FinCEN Form 114) ^[41]
2. Choose reputable jurisdictions with strong banking regulations like Switzerland, Austria, or Nevis ^[43]
3. Maintain meticulous records of all transactions and contributions
4. Work with qualified professionals familiar with international tax laws and reporting requirements

Remember, transparency is paramount—offshore accounts must be reported to appropriate authorities in your home country ^[44].

Build Wealth Through Private Equity

_{Image Source: SEC.gov}

Private equity has historically outperformed public markets with lower volatility, making it a cornerstone wealth-building strategy for the ultra-wealthy. Yet this powerful vehicle remains inaccessible to most investors—creating one of the most significant wealth gaps between average earners and the financial elite.

Build Wealth Through Private Equity Explanation

Private equity involves investing in companies not publicly traded on stock exchanges, where managers actively enhance portfolio company performance ^[16]. This asset class has consistently generated higher returns than public markets—historically delivering 15.06% returns since inception versus just 5.48% for public market equivalents ^[45]. The outperformance stems from several advantages: informational edge in identifying opportunities, active management intervention, stronger governance structures, and specialized deal sourcing ^[16]. Additionally, private equity provides exposure to 85% of U.S. companies that remain inaccessible to public market investors ^[12].

Why Build Wealth Through Private Equity Is Hidden

This strategy remains concealed primarily because traditional private equity funds typically require minimum investments of $5-10 million with 10+ year commitments ^[46]. Furthermore, these investments are generally restricted to accredited investors and qualified clients, effectively excluding all but the wealthiest individuals ^[47]. Many high-net-worth individuals intentionally keep this strategy private as it provides access to institutional-quality deals with lower fee structures through co-investment opportunities ^[48]. Naturally, wealthy families prefer maintaining exclusive access to higher-return investments—private equity assets under management are expected to double to $12 trillion by 2029 ^[49].

How to Apply Build Wealth Through Private Equity

For individuals seeking private equity exposure, several options exist depending on your financial position:

1. ETFs focusing on private equity firms (like Invesco Global Listed Private Equity ETF)
2. Publicly-traded private equity firms (Blackstone, KKR, Apollo)
3. Private equity co-investments alongside established firms (for qualified investors)
4. Tender offer funds with lower minimums ($50,000-$60,000)

Consider allocating 5-15% of your portfolio for optimal diversification benefits, focusing on managers with proven track records given performance varies dramatically across firms ^[50].

Conclusion

These ten wealth-building strategies reveal a financial playbook typically hidden from public view. While the wealthy quietly implement these methods, they remain accessible to anyone willing to learn and apply them strategically. Tax-loss harvesting and backdoor Roth IRAs offer powerful tax advantages, whereas micro-investing apps democratize market access for beginners.

Additionally, credit card arbitrage and REITs provide alternative paths to wealth without requiring massive starting capital. Insurance products, when structured correctly, transform from simple protection tools into sophisticated wealth-building vehicles. Donor-advised funds allow philanthropically-minded individuals to maximize both their giving impact and tax benefits simultaneously.

Perhaps most significantly, strategic borrowing against assets enables wealth preservation while accessing liquidity—a cornerstone technique among the ultra-wealthy. Legal offshore accounts and private equity investments round out these strategies, offering diversification beyond traditional investment vehicles.

The wealthy keep these methods private not because they're inaccessible but because knowledge equals advantage. Financial education gaps benefit those already in positions of wealth. Therefore, taking small steps toward implementing even one of these strategies can dramatically alter your financial trajectory over time.

Remember that building substantial wealth rarely happens through conventional advice alone. The path requires calculated approaches rather than merely budgeting better or saving more aggressively. Armed with these hidden strategies, you now possess financial knowledge that most people never discover—the question becomes what you'll do with this information.

Start small, consult qualified professionals when needed, and gradually incorporate these techniques into your comprehensive financial plan. Though initially intimidating, these methods become powerful tools once mastered. True financial freedom comes from adopting the same wealth-building approaches that have quietly built fortunes for generations.

References

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