Holiday Money Game: DJ Vlad Shares a Wealth Strategy Many People Overlook

In a post shared via VladTV, DJ Vlad explained that instead of selling stocks when cash is needed, investors can borrow against their existing stock portfolio through what’s known as a Security-Backed Line of Credit (SBLOC). According to Vlad, he personally used this approach throughout the year, borrowing at roughly 5% interest while his portfolio continued to grow at a higher rate.

The key advantage? No forced stock sales and no capital gains tax triggered.

By keeping investments intact, borrowers maintain long-term exposure to market growth while accessing liquidity for short-term needs.

SBLOCs are commonly offered by private banks and brokerage firms to clients with substantial portfolios. The loan is secured by the stocks themselves, meaning the investor can tap cash for business, personal expenses, or opportunities without disrupting their investment strategy. If managed carefully, this can be a powerful tool — but it comes with risk. Market downturns can lead to margin calls, requiring borrowers to add funds or liquidate assets.

Vlad’s message resonated because it highlights a quiet truth about money: the wealthy often borrow, not because they lack cash, but because leverage can be cheaper than selling appreciating assets. While this strategy isn’t suitable for everyone, it offers a glimpse into how financial systems work differently once you move beyond paycheck-to-paycheck thinking.

His holiday post wasn’t framed as hype, but as education — a reminder that financial literacy is as important as income, especially during a season when spending peaks.

As with any financial move, professionals recommend consulting a licensed advisor before pursuing leveraged strategies. Still, DJ Vlad’s tip sparked an important conversation: sometimes the smartest money moves are the ones people were never taught in school.