I'm Paying My Bills With Borrowed Money and Here's the Exact Spreadsheet I Use | almost wealthy.

My Bill Stacking Plan Spreadsheet: https://almostwealthy.gumroad.com/l/b... I built a 10-phase spreadsheet that maps out exactly how I'm moving every monthly bill onto margin — one at a time, from a $6,000 portfolio to $145,000. This video walks through each phase: the portfolio target, the bill added, the dividend coverage ratio, and how much of my paycheck gets freed up to invest at each step. Real numbers, real plan. 🔔 Subscribe — I post weekly updates with real numbers from this exact portfolio. 📲 Follow along: https://x.com/imalmostwealthy 💰 Open an M1 Finance account: https://m1.finance/xD1cK2QOe3fd ⏱️Timestamps⏱️ 00:00 Borrowing Bills On Purpose 01:00 Buy Borrow Die Basics 02:16 Why Step Two Works 03:05 Avoiding The Wall 04:06 Spreadsheet Overview 05:43 Phases One To Three 07:57 Phases Four To Six 09:37 Phases Seven To Ten 12:49 Coverage And Paycheck 15:04 Risks And Safety Rules 17:00 Why One Bill At A Time 17:53 Wrap Up And Next Steps ⚠️ Not financial advice. I'm just a regular investor sharing what I'm doing and why.