I have to put you on something. There is one account in the entire United States tax code that does all three of these things at the same time: Money goes in tax free. Money grows tax free. Money comes out tax free. No other account does this. Not a Roth IRA. Not a 401k. Not a brokerage account. Only one. It's called a Health Savings Account. An HSA. And the wealthy have been quietly using it for decades while the rest of America was being told to put their money in a 401k and pray. Here's why this matters for us in the Lab. Right now you are deploying your soldiers against the liability side. Eliminating debt with velocity banking. That is Phase One and it is critical. But while you attack the liability side, you can simultaneously be building the asset side. The HSA is one of the cleanest, lowest cost, highest leverage moves you can make right now. The 2026 limits are forty four hundred dollars for an individual. Eighty seven hundred fifty for a family. Plus another thousand if you are fifty five or older. And here is the move I learned at the Directed IRA Summit that changed how I think about this account forever. It's called the receipt pile. Most people pay their medical expenses straight out of their HSA the same year. However, let's think abundantly. What are your thoughts about paying medical bills out of pocket. Then keep the receipt. Then let the money inside the HSA stay invested and grow tax free. Then years later, when you want the money, you hand the IRS the old receipt and pull the cash out completely tax free. Same money. Moved differently. Velocity banking applied to taxes. Now the qualification. To contribute to an HSA you have to be on a high deductible health plan. The 2026 minimum deductible is seventeen hundred for individual coverage and thirty four hundred for family. If your plan does not qualify, you have to wait for open enrollment to switch. I am not a tax strategist. Before you make any moves, sit down with one. Not a tax preparer. A tax strategist. There is a difference and we will get into that in a future post.

Guess who just joined our community? @Rick The MoneyMaxGuy. He is the one that will be sharing how the Money Max Account can take you from low cashflow and high debt to building wealth faster than you thought imaginable. Feel free to say hello and message him. - CJ Wallace

Something has been on my mind, and I need to share it with you all because this community is ready for it. Every single day I watch members of this Lab do something remarkable. They take their paycheck, they send it into the HELOC, they float their expenses, they make the chunk payment, and they watch that balance drop. Month by month. Year by year. The debt is dying. But here is a question I want you to sit with for a moment. What happens the day it is gone? I mean really gone. Mortgage paid off. Car loan wiped out. Credit cards at zero. The debt you have been fighting is dead. Your HELOC balance hits zero. Your monthly surplus — the soldiers you have been sending into battle every single month — they have no more enemy to fight. What do you do with them? This is the question I have been doing deep research on, and I want to start walking this community through what I am learning. Because the same mathematical discipline that made velocity banking work — deploying money with intention, keeping it moving, never letting it sit idle doing nothing — that same discipline applies to the wealth-building phase. The system does not stop when the debt stops. It evolves. Over the next few weeks I am going to be sharing what I am calling Phase 2 content inside this community. We are going to cover things like the Health Savings Account — which might be the most powerful triple tax-advantaged account most financial advisors never tell you about. We are going to talk about the Roth IRA and exactly how it fits into a velocity banking lifestyle. We are going to talk about what happens when your money stops fighting debt and starts building a tax-free legacy. None of this replaces Phase 1. Phase 1 is the foundation. You cannot build Phase 2 on a house that is still on fire. If you are still in the elimination phase, stay locked in. The Velocity Banking Wizard in the resources section will show you exactly where you stand and how long your timeline is. But if you are getting close — or if you are already out and wondering what comes next — this series is for you.

If you need business funding look no further: https://page.fo/100KFunding My friend Felix He is hosting a FREE training tomorrow (March 5th, 10 AM PST / 1 PM EST) on - How To Secure $50K-$250K to Start or Grow your Business at 0% Interest - How I'm able to secure $900k+ in business financing without tax returns - The Best Banks And Strategies To Get High Limit Funding in 2026 - And Free One Bureau Inquiry Removal as a gift for attending the FULL Training BONUS: The VIP Path For those ready to scale faster and get access $100K+ in funding in 60-90 days, he'll share the exact next steps on the call. Here's the thing: This call is LIVE On Thursday's call, you can ask him directly: - "Felix, what banks should I apply to first with my credit profile?" - "How do I clean up my credit before applying?" - What banks or lenders look for to maximize the most amount of funding He'll answer everything. Register here

Most people in this community are laser-focused on getting the debt number down. That's exactly right. That's the mission. But here's what I want you to start thinking about at the same time: what are you building toward? Freedom isn't just a zero balance. It's knowing your full financial picture — what you owe, what you own, and where you're headed — all in one place. That's why I want to introduce you to 8Figures. It's an AI-powered investment advisor and portfolio tracker — SEC-registered, read-only (meaning it cannot move your money), and built for privacy. You can track your net worth, your investments, your real estate, and your debt all in one clean dashboard. Think of it this way: we use the Velocity Banking Wizard to map the debt side. 8Figures maps the wealth side. Together, you finally see the whole board. I've partnered with them to get you a discount. Use promo code VELOCITY8F at signup. 👉 https://8figures.com/?utm_source=velocity_channel Start tracking. You can't manage what you can't see. God bless you. Let's get free. 🙏