I’m not asking you for more details.

www.mayoclinic.org/diseases-con...

www.mayoclinic.org/diseases-con...

You aren’t really saying anything. I’m sorry for you and your husband.

I looked at the petition and it doesn’t ask for that much information. It seems like all of that and more is easy to get. It’s probably not real: www.ncsl.org/elections-an...

The petition was sketchy and maybe illegal, but it isn’t itself a vote. It may have encouraged a disproportionately larger number of Trump voters to register and vote. But that’s it.

You have to get rid of the step up of cost basis on death at the same time as removing estate tax. That’s the only reason borrowing against securities is a problem, you can avoid paying capital gains by dying.

Agreed, now. I think there should be new higher tax brackets, no estate (death) tax, and no step up of the cost basis of assets on death.

You’re right. I did some more analysis and came to the same conclusion. If the annual cost of borrowing is less than or equal to the opportunity cost of selling, borrowing at least matches selling indefinitely. With a step up on death. So, it can be true.

In any one year, yes, the interest will be less than taxes. But… you have to keep paying interest on the same dollar every year as long as you don’t pay it back. 20 years is a long time. Don’t assume borrowing is exclusively for tax optimization.