Velocity to FIRE - One Dad's Race to Financial Independence
60%
Net Worth
to FIRE
Ky Vu - Velocity to FIRE
30%
Borrowable
to FIRE

After years of maxing my 401k and realizing it was building wealth for fund managers and the IRS—not my family—I discovered a different path. Now I'm documenting my journey to financial independence using strategies the wealthy actually use.

One Dad's Race to
Financial Independence

I'm not a guru. I'm a 42-year-old dad with a 9-5, sharing what's actually working (and what's not).
Licensed agent (SavvyVelocityIUL LLC) | Managing my own IUL policy
No hype. No promises. Just real numbers and honest lessons.

Borrowable Progress to F.I.R.E 30%

The only number that matters for early retirement

Calculate Your 401k Tax Bill Get My Free IUL Guide
Ky Vu with family

Why This Matters to Me

I'm a dad who wants to be there for my kids' milestones, not stuck in meetings until I'm 65. After discovering that my "safe" 401k was actually dead money that I couldn't access without penalties, I found a better way.

I got licensed as an insurance agent so I could structure my own IUL policy correctly—not to sell, but to understand. Now I share my journey because if it helps even one family reach financial independence faster, it's worth it.

— Ky Vu, SavvyVelocityIUL LLC

💣 The 401k Tax Bomb Calculator

See what you'll ACTUALLY keep after Uncle Sam takes his cut.
Most people are shocked by the results.

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My Wealth Strategy: Multiple Tools Working Together

I don't rely on one strategy. I use Buy-Borrow-Die principles with two main tools:
IUL for tax-free liquidity and option selling for income generation.

💰

Buy-Borrow-Die Strategy

Build assets, borrow against them tax-free, never sell. Avoid capital gains completely.

📊

Option Selling (TSLA & iBit)

Sell covered calls and puts on long-term holdings. Generate monthly income from positions I already own.

🏦

IUL as Personal Bank

Replaces savings, emergency fund, and college savings. Tax-free growth and liquidity at 5% loan rate while earning 6-7%.

Real talk: I'm a licensed insurance agent (SavvyVelocityIUL LLC) because I wanted to structure my own policy correctly. If you want me to structure one for you exactly like I did for myself, I can help.

See How I Did It

What I'm Actually Holding

Brokerage Account ~65%

Main holdings: TSLA & iBit (BTC). Selling covered calls/puts for income generation.

Allianz IUL Cash Value ~35%

Tax-free savings, emergency fund, and kids' college fund. Liquid capital for opportunities.

This is my personal allocation. Not advice. Your situation is different. I keep it simple: IUL for safe money, brokerage for growth + income.

Get The Free IUL Guide

The exact breakdown of how I structure my Allianz IUL for maximum cash value (not death benefit).

  • ✓ Why I chose IUL over 401k and whole life
  • ✓ How to design it for cash value (most agents won't tell you this)
  • ✓ How index loans work (5% rate, but I often come out ahead)
  • ✓ Real numbers from my actual Allianz policy
  • ✓ When IUL does (and doesn't) make sense

No BS. I'll also tell you when IUL is a bad fit. This isn't for everyone.

Download The Guide

Get The Free Guide →

I'll email you the guide + occasional updates on my journey. Unsubscribe anytime.

Ready to Talk IUL?

I'm opening up a few free IUL strategy calls each month.
Not selling. Just walking you through how I structured mine and showing you the math.

This call is for you if:

  • ✓ You earn $75K+ household income
  • ✓ You can commit $500+/month to funding it
  • ✓ You want liquid, tax-free wealth (not just a death benefit)
  • ✓ You're tired of having all your money trapped in 401k

Full transparency: I'm a licensed insurance agent operating under SavvyVelocityIUL LLC. I earn a commission if you implement IUL through me. But YOU control the cash value from day one. YOU can borrow against it. YOU keep the gains.

Book a Free Strategy Call