The Stacking Principle

Why chasing 1% in one thing is the slow path.
The fast path? Become top 20% in 10 things.

A framework for building wealth through complementary strategies

The Skill Stack

"The last 20% of mastery takes 80% of the effort.
But the first 80%? That's where the juice is."

Scott Adams realized that being in the top 1% at one thing requires extraordinary talent and years of grinding.

But being in the top 20% at multiple things? That's achievable. And when you combine those skills, you become irreplaceable.

The $5 Coffee Trap

Old Advice

"Skip the daily latte"

Save $5/day = $1,825/year

Painful. Unsustainable. Small results.

Stacking

Optimize taxes, debt, investments

Save $50K-$200K+/year

Efficient. Scalable. Life-changing.

The numbers sound too big because traditional advice keeps you small.

What is Financial Stacking?

Instead of one strategy, you layer complementary strategies on top of each other.

Each layer doesn't just add — it multiplies the impact of the others.

💰 Optimize taxes on your current income
📉 Pay off debt in the right order (save on interest)
📈 Invest savings in tax-free growth accounts
🏠 Generate tax-free cash flow (e.g., Airbnb)

Step 1: Optimize What You Have

Before chasing new income, maximize what you're already earning.

This alone can save or create tens of thousands per year.

Step 2: The Cash Flow Layer

Once your foundation is optimized, add Airbnb as a cash flow engine.

Two goals working together:

This isn't just extra money — it's strategically structured money.

Two Paths, Same Destination

💡 Lower Starting Capital

Rental arbitrage strategy

Lower upfront investment

Focus on cash flow over tax savings

Build up capital for future purchases

🏘️ More Capital Available

Property purchase strategy

Higher upfront investment

Massive tax deductions from depreciation

Build long-term equity + wealth

Both paths lead to: Tax savings → Cash flow → Equity → Long-term wealth

The Multiplication Effect

Each layer doesn't just add value — it unlocks the next.

Tax savings → Debt payoff → Investment capital → Cash flow → More investment → More tax savings...

"You're not working harder.
You're just stacking smarter."

What This Looks Like

A self-reinforcing system that grows itself:

$30K-80K saved in taxes annually

$20K-50K in cash flow from Airbnb

$0 in high-interest debt

Growing investment portfolio

Compounding tax-free returns

All from optimizing what you have + adding strategic layers.

Start Stacking

You don't need to be a genius at one thing.

You need to be good at the right combination of things.

Next: The Airbnb Deep Dive

How to choose your path and execute the strategy