> Maybe the trick is simply just borrow for your whole life then when you die pay back the loans but somehow that payback process results in limited taxes someh

> Maybe the trick is simply just borrow for your whole life then when you die pay back the loans but somehow that payback process results in limited taxes somehow. The ‘somehow’ is the stepped up basis upon death loophole: https://www.thebalance.com/how-the-stepped-up-basis-loophole-works-357485 https://www.thebalance.com/how-the-stepped-up-basis-loophole... The cost basis of an asset when inherited is set to the value on the day the owner died.