{"id":35831,"date":"2026-04-20T02:10:52","date_gmt":"2026-04-20T01:10:52","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=35831"},"modified":"2026-04-15T21:37:47","modified_gmt":"2026-04-15T20:37:47","slug":"taxarea-capitalului-mi-a-scapat-o-chestie","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=35831","title":{"rendered":"Taxarea capitalului : Mi-a sc\u0103pat o chestie"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p>Iar eu c\u00e2nd gre\u0219esc, sau sunt prost, ridic m\u00e2na sus \u0219i recunosc.<\/p>\n\n\n\n<p>C\u00e2nd <strong><a href=\"https:\/\/catalinx.ro\/wordpress\/?p=35188\">am zis<\/a><\/strong> c\u0103 nu e neap\u0103rat o idee bun\u0103 s\u0103 taxezi capitalul, p\u00e2n\u0103 nu reprezint\u0103  un asset grab, feudalism \u0219i inechit\u0103\u021bi care priveaz\u0103 pe ceilal\u021bi de accesul la resurse. <br \/><br \/>Schema boga\u021bilor care ruleaz\u0103 pe capital \u0219i venituri nerealizate e asta de mai jos. <br \/>Dar dac\u0103 nu ai chef s\u0103 te ui\u021bi la ar\u0103tarea asta de desen animat , explic eu mai lung. <br \/>Dac\u0103 e\u0219ti ultrabogat \u0219i nu vrei venituri taxabile, te \u00eemprumu\u021bi \u0219i garantezi cu parte din asseturi. <br \/>Pe m\u0103sur\u0103 ce asseturile tale produc profit tot timpul netaxabil prin apreciere, te tot po\u021bi \u00eemprumuta mai mult. <br \/>De\u0219i \u0103sta NU E un model pe care eu l-a\u0219 opera ( \u00een primul r\u00e2nd c\u0103-s prea s\u0103rac pentru el), e unul valid de la ni\u0219te sume \u00een sus, pentru c\u0103 \u00eemprumuturile nu sunt taxabile, dar e explicat aici insuficient \u0219i induce \u00een eroare. <\/p>\n\n\n\n<p><br \/><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-9-16 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"How billionaires avoid taxes \ud83d\ude33\ud83e\udd23 #animation #cartoon #money #taxes #usa #america #amazon #worldtok\" width=\"563\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/iRDD2fRg3Dw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Pentru mine nu are sens schema asta c\u0103 nu-s miliardar \u0219i \u00eemprumuturile poart\u0103 risc.  Ultraboga\u021bii folosesc schema asta cu  &#8211; aten\u021bie &#8211; \u00eemprumuturi cu dob\u00e2nzi ultramici. <\/p>\n\n\n\n<p>Iar asta func\u021bioneaz\u0103 c\u00e2t timp <strong>suma \u00eemprumutat\u0103<\/strong> e mult mai mic\u0103 dec\u00e2t valoarea asseturilor tale \u0219i semnificativ mai mic\u0103 ( b\u0103, aten\u021bie, MAI MIC\u0102 \u0218I SEMNIFICATIV &#8211; obligatoriu ambele) dec\u00e2t profitul <strong>anual <\/strong>\/ aprecierea realizat\u0103 de asseturile tale \/ capitalul t\u0103u. <br \/><br \/>Exemplu: Dac\u0103 am ac\u021biuni de 1 milion de dolari ( c\u0103 e mai simplu de discutat f\u0103r\u0103 s\u0103 ne preocupe ce sunt investi\u021biile \u0103lea)  care se apreciaz\u0103 cu, s\u0103 zicem 10% pe an, \u00een medie, asta \u00eenseamn\u0103 c\u0103 fac grosso modo profit de 100k.  Dac\u0103 vreau s\u0103 taxez profitul \u0103la \u00een orice \u021bar\u0103 care conteaz\u0103 ajung pe la 30% &#8211; minim. <\/p>\n\n\n\n<p>Dac\u0103 iau \u00eemprumut de 100k sunt prost. Point blank, f\u0103r\u0103 discu\u021bii, pot s\u0103 explic. <\/p>\n\n\n\n<p>Dac\u0103 iau \u00eemprumut 100k cu dob\u00e2nd\u0103 ca tot prostul s\u0103 zicem 10% &#8211;  pot rula schema 3 ani  ( grosso-modo) \u0219i dup\u0103 aia sunt futut mai bine pl\u0103team impozitul.<\/p>\n\n\n\n<p>Dar dac\u0103 iau \u00eemprumut cu dob\u00e2nd\u0103 5% e cam 6 ani p\u00e2n\u0103 ajung la 30%, doar c\u0103 ultramilionarii ar avea taxe mult mai mari.  Dar dac\u0103 sunt super VIP supersolvabil \u0219i iau \u00eemprumut cu dob\u00e2nd\u0103 2.5%? 12 ani monster kill. <\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-background-color has-background\"><br \/>Tot e o idee proast\u0103 pentru c\u0103 operezi \u00een limite str\u00e2nse \u0219i nu prea po\u021bi acoperi unele riscuri semnificative, care-\u021bi pot paradi serios capitalul fundamental, gen mai r\u0103u dec\u00e2t taxele , dar hai s\u0103 punem ALTFEL problema. <\/p>\n\n\n\n<p>Am o avere de 100 de milioane de  dolari, nici nu am ajuns la miliard, da? Am nevoie de cheltuieli personale &#8211; nu business &#8211; de 500,000 pe an.  Averea mea produce pe fiecare an 6-10 milioane noi ( <em>derivata I<\/em> ), iar ACELE 10 milioane NOI produc pe fiecare  an 600k -1 milion ( <em>derivata a II a<\/em>) . <\/p>\n\n\n\n<p>Dac\u0103 declar profit 1 milion  trebuie s\u0103 pl\u0103tesc probabil spre 400k taxe \u00een orice \u021bar\u0103 civilizat\u0103 mai pu\u021bin paradisuri fiscale. <\/p>\n\n\n\n<p>Dac\u0103 iau un \u00eemprumut de 1 milion cu dob\u00e2nd\u0103 de 3% ( c\u00e2nd vorbim de avere de 100 de milioane cred c\u0103 nu punem \u00een discu\u021bie solvabilitatea la suma asta \u00eemprumutat\u0103 , da? Orice risc de magnitudinea asta e acoperit de asigur\u0103ri) \u00eenseamn\u0103 30,000 dob\u00e2nd\u0103 pe an. Abia \u00een minim 12 &#8211; 13 ani de dob\u00e2nd\u0103 pl\u0103tesc taxele \u00een dob\u00e2nzi , dar stai! Cei <strong><span style=\"text-decoration: underline;\">MINIM 300,000 de dolari<\/span><\/strong> pe care NU i-am pl\u0103tit la taxe \u00een PRIMUL an , costuri de oportunitate, da? &#8211; genereaz\u0103 <strong>\u00een primul an sume de p\u00e2n\u0103 la 30,000 profit<\/strong> (<em>derivata a IIIa<\/em>) . Practic \u00eemprumutul nu cost\u0103 nimic &#8211; CU RISCURI. Riscul dob\u00e2nzii, riscul ca averea mea s\u0103 scad\u0103 sunt mereu posibile, dar uite unde le operez cu avere de 100 milioane \u0219i costuri de 1% &#8211; le operez la nivel de derivata a IIIa \u0219i din p\u0103cate nu \u0219tiu cum s\u0103 explic asta altfel ca s\u0103 \u00een\u021belege\u021bi c\u0103 e un risc exponen\u021bial mai MIC dec\u00e2t al unui pulete obi\u0219nuit care garanteaz\u0103 un \u00eemprumut cu capitalul lui . <\/p>\n\n\n\n<p>Am stabilit c\u0103 UN MILION, la scara asta, reprezint\u0103 <strong>profitul <\/strong>produs de <strong>profitul <\/strong>( nerealizat, desigur!) averii mele \u00een timp de un an. <br \/><br \/>Nu \u0219tiu dac\u0103 le ave\u021bi cu matematica &#8211; dac\u0103 nu, <em><a href=\"https:\/\/youtu.be\/J5Lbl45J1YQ?si=8BrZzKYzwHv-_HlR\">s\u0103 v\u0103 duce\u021bi dracu la munc\u0103 sau s\u0103 citi\u021bi c\u00e2teva  almanahe<\/a><\/em> &#8211; dar noi discut\u0103m aici de riscuri operate pe derivata a treia sau a doua a capitalului propriu. Ele nu se pot transmite p\u00e2n\u0103 la nivelul fundamental al capitalului, c\u0103-s amortizate \u00een derivata a doua , sau respectiv prima. <br \/>B\u0103, pentru un centimilionar care tr\u0103ie\u0219te rezonabil  &#8211; zic \u0219i io, costuri pe persoan\u0103 fizic\u0103 ( <em><sub>\u00een afar\u0103 de ce bag\u0103 pe business &#8211; deplas\u0103ri cu elicoptere \u0219i avioane private<\/sub><\/em>)  1 milion pe an, ce  nu merge?  &#8211; \u00ceN CAZUL CEL MAI R\u0102U, c\u00e2nd \u00eei merg TOATE C\u0102R\u021aILE PROST &#8211; taxeaz\u0103 o dat\u0103, \u00ceNTR-UN AN profitul \u0103la anual de 10 milioane, pl\u00e2nge un pic \u00een pumni,<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"220\" height=\"149\" data-attachment-id=\"35832\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=35832#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/03\/image-52.png\" data-orig-size=\"220,149\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/03\/image-52.png\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/03\/image-52.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/03\/image-52.png\" alt=\"\" class=\"wp-image-35832\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/03\/image-52.png 220w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/03\/image-52-200x135.png 200w\" sizes=\"auto, (max-width: 220px) 100vw, 220px\" \/><\/figure>\n\n\n\n<p>\u0219terge tot, trece pe pace cu orice credite, dup\u0103 care cl\u0103te\u0219te \u0219i mai \u00eencearc\u0103 o dat\u0103. \u00cen orice fel pierderile sunt mai mici dec\u00e2t profitul anual &#8211; anume nu-i diminueaz\u0103 capitalul efectiv. Cu alte cuvinte schemele financiare nu-l pun mai mult \u00een pericol dec\u00e2t \u00eel pun riscurile normale de business. <\/p>\n\n\n\n<p><br \/>Iar un <strong>centimilionar <\/strong>(<a href=\"https:\/\/www.henleyglobal.com\/publications\/centi-millionaire-report-2024\"> sunt vreo 30 de mii \u00een lume<\/a>) este de c\u00e2teva MII DE ORI mai <strong>s\u0103rac <\/strong>dec\u00e2t Elon Musk. Mai pu\u021bin bogat, c\u0103 nu po\u021bi fi s\u0103rac la nivelul \u0103la.  B\u0103i, re\u021bine. DE.<strong>C\u00c2TEVA<\/strong>.MII.DE.ORI, \u0103stea sunt trei ordine de m\u0103rime. \u0218i dec\u00e2t primii <a href=\"https:\/\/www.forbes.com\/sites\/forbeswealthteam\/article\/the-top-ten-richest-people-in-the-world\/\">10 cei mai boga\u021bi oameni <\/a>din lume care-s to\u021bi centamiliardari. <\/p>\n\n\n\n<p><br \/>Tu c\u00e2nd te ui\u021bi la sfaturi de pe youtube \u0219i iei \u00ceNAPOI bani din casa ta  ca s\u0103-\u021bi cumperi ma\u0219in\u0103  &#8211; \u0219tii tu care e\u0219ti, nu te ar\u0103t cu degetul &#8211; operezi cu riscuri la nivel fundamental, direct pe capitalul t\u0103u. S-a materializat riscul, ai \u00eenceput s\u0103 bele\u0219ti pula, tu direct, nu profitul t\u0103u, nu profitul profitului t\u0103u. <br \/><br \/>La nivelul la care e\u0219ti tu, \u0219i respectiv eu, adic\u0103 mai s\u0103rac ( la nivelul \u0103sta nu putem discuta de bogat) dec\u00e2t un centimilionar \u00een aceea\u0219i m\u0103sur\u0103 \u00een care e un centimilionar fa\u021b\u0103 de Forbes Top 10 World, orice risc miroase a somn \u00een cutie de carton.<\/p>\n\n\n\n<p>Din articolul \u0103sta instig la 2 concluzii: <\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-background has-link-color wp-elements-90b8e25d51906df88bda32bd144ef5c8\" style=\"background:radial-gradient(rgb(252,185,0) 0%,rgb(255,105,0) 100%)\">1 &#8211; Da, de la o avere \u00een sus, p\u0103rerea mea e c\u0103 e undeva deasupra la 10 milioane de dolari pragul \u0103la, are sens taxarea direct\u0103 a capitalului \u0219i a venitului nerealizat pentru c\u0103 privilegia\u021bii evit\u0103 U\u0218OR \u0219i OBLIGATORIU orice taxe pe veniturile lor, oper\u00e2nd scheme cu \u00eemprumuturi.  <strong> Alternativa e s\u0103 le fie analizate \u00eemprumuturile \u0219i politici de combatere a evit\u0103rii tax\u0103rii. <\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-background has-link-color wp-elements-b534a532841c2c01a32b0860d0a4bbd7\" style=\"background:radial-gradient(rgb(252,185,0) 0%,rgb(255,105,0) 100%)\">2 &#8211; Schemele cu s\u0103 te \u00eembog\u0103\u021be\u0219ti evit\u00e2nd taxele prin \u00eemprumuturi nu merg la nivel de pulifrici. Din calculele mele nu merg nici dup\u0103 ce ajungi la nivel de milionar &#8211; gen sub 10.  Dec\u00e2t dac\u0103 vrei s\u0103 fii milionar \u0219i s\u0103 tr\u0103ie\u0219ti ca un boschetar. \u0218i nu, nu merge s\u0103 \u201dfaci \u0219i tu ca boga\u021bii\u201d &#8211; c\u00e2nd ai problema fundamnetal\u0103 c\u0103 tu nu e\u0219ti bogat.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Iar eu c\u00e2nd gre\u0219esc, sau sunt prost, ridic m\u00e2na sus \u0219i recunosc. C\u00e2nd am zis c\u0103 nu e neap\u0103rat o idee bun\u0103 s\u0103 taxezi capitalul,&hellip;<\/p>\n","protected":false},"author":2,"featured_media":35832,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6,3499,170,2639],"tags":[7110,7107,7108,7109],"class_list":["post-35831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-de-criza","category-economie","category-politice","category-taxe","tag-limitarianism","tag-sa-facem-ca-bogatii","tag-sa-traim-ca-miliardarii","tag-scheme-de-bogati"],"views":58,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/03\/image-52.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-9jV","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=35831"}],"version-history":[{"count":5,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35831\/revisions"}],"predecessor-version":[{"id":35839,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35831\/revisions\/35839"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/35832"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}