> How? Here's an example that could be achievable without needing to be a super high wealth individual, but does require being able to pay a few thousand dolla

> How? Here's an example that could be achievable without needing to be a super high wealth individual, but does require being able to pay a few thousand dollars up front with little notice. Let's say you get hit with a $3,500 medical bill. The hospital says they're willing to reduce it by 20% ($700) if you pay up front so now your bill is $2,800. Now, let's say you rarely use credit cards and a major bank will give you $750 cash as a bonus if you spend $4,000 in 3 months. With the medical bill and regular spending you can hit that without making any "extra" purchases. You could sign up for that card, immediately pay off the $2,800 to avoid paying any interest on the card and once you get the cashback bonus it's really like paying $2,050 instead of $3,500. Now you can take that $1,500 you saved, invest it at 5% for 15 years and with compounding interest you get back +$1,500 profit (minus taxes) which essentially means your medical bill was $500. Of course this requires luck and timing around being able to do that with the card but even if you didn't have the card bonus you can get a guaranteed 20% return in 1 year by paying it off. The alternative is paying the full amount in smaller payments. Technically a lot of hospitals don't charge interest and give you reasonable plans to pay it off but most other places will charge you interest.