With a Roth IRA on Steroids, you could contribute $5,000, $20,000, $50,000, or even $100,000, depending on how much money you have, how much you want to contribute, and when you plan to start withdrawing your funds. It is a powerful wealth-building tool. When I first heard about this from Roccy DeFrancesco, I was completely overwhelmed because I had spent my entire life searching for tax-advantaged products that are safe, legal, and can be used with very little risk. You won’t hear about this from your lawyer or accountant. Your lawyer’s typical response is "possibly, maybe, or I’ll look into it." Even if they know about it, they likely won’t tell you because traditionally they work on both sides of the fence. Your accountant and lawyer typically avoid these types of products because they could become an IRS target. Whenever there’s a criminal investigation, their documents would be the first thing scrutinized through summonses. I work with accountants and teach them, and this is their usual stance on the matter. I also teach lawyers and accountants for credits. They’re generally intimidated. For the price of preparing your income tax return, they’re not going to explore these kinds of wealth-building tools. The wealth-building strategies of a Roth IRA on Steroids are entirely legal. You don’t have to hide your money, go offshore, provide extensive documentation, or report requirements to the federal government. With a Roth IRA on Steroids, the following basic information will be required: your age, how much money you wish to deposit into your account, and when you plan to withdraw from the account. Based on this information, a specific financial chart can be drawn up for you. To summarize the main benefits of your Roth IRA on Steroids: your money never decreases in value; you’ll be able to withdraw your money tax-free; and there is a guaranteed return. So let’s discuss how you can fund your account using other people’s money. Roccy DeFrancesco wrote a book called "Home Equity Management." The book is very well written. Roccy is a meticulous individual, and I have a great deal of respect for him. The book explains how you can reposition your home equity. Let’s take a moment to consider your home equity. If you own a home with a 95% mortgage, does the mortgage diminish the value of your home? The answer is "No." If your home is fully mortgaged, it doesn’t reduce its value. However, if you live in an area like California with mudslides, or Florida with hurricanes and tornadoes, and you own 100% of your home (i.e., it’s not mortgaged), then whose problem would it be if your house slides down the hill or goes underwater? It would be your problem. On the other hand, if it’s heavily mortgaged, then it wouldn’t be your problem. It would be an insurance issue and a mortgage company issue. So what is the relationship between your home equity and your Roth IRA on Steroids? If you leverage your home equity and reposition it to fund your Roth IRA on Steroids, effectively, your money is sitting in your Roth IRA on Steroids account and in investment opportunities, and it’s safe. Real estate is the only leveragable asset class. Everyone understands that you buy real estate with 5% down, 10% down, depending on how well financed you are. It’s the only leverage recommended, accepted, understood by people, and done by banks. So by repositioning your home equity to fund the Roth IRA on Steroids, financially, you’re using other people’s money. This can also be accomplished with commercial real estate. If you have equity in commercial real estate, refinancing it to reposition your assets definitely makes sense. At the end of the day, you still have the same assets. If you have equity in your home or commercial property, that’s an asset. If you have equity in Roth on Steroids or other investment opportunities, together they represent the same total value. You’re just repositioning. You’re relocating your assets. That’s all you’ve done.