Wealth Building. Wealth Preservation. Financial Independence. Antifragile.
Don’t let the Infinity symbol and the name Bank fool you. This IS NOT a life insurance scam. You can Be Your Own Banker without buying a life insurance from a snake oil salesman. Why there is so much of these scammers publishing videos on YouTube and books on Amazon. It’s not because they want to keep you informed?! It’s because the commissions are extremely generous for the seller. 50-100% commission for the first year premium and 2-10% for years to come.
No, you won’t become a Billionaire by buying Life Insurance.
No, Life Insurance wasn’t a determining factor in the Rockefeller dynasty’s remaining fortune today.
- 99% of dynasty wealth came from Standard Oil
- Then from 140 years of holding blue-chip stocks and compounding did the rest.
- Whole Life Insurance returns are 1-4%.
Yes, the PYGOD Bank concept is inspired by the dynasty Family Bank like the Rockfellers, Rothschilds, etc.
However, unlike most Family Offices, I don’t need a bunch of full-time overpaid parasites (CFO, lawyers, accountants, etc) to run it.
Family Banks vs Companies
Rockefeller-style and Rothschild-style Family Banks are the strongest financial entities ever created.
And here’s why:
🦁 1. Companies Die. Family Banks Don’t.
Even the largest companies on Earth eventually get:
- disrupted
- outcompeted
- regulated
- replaced
- innovated around
- Examples:
- GE fell
- IBM fell
- Nokia fell
- BlackBerry fell
- Sears died
- Kodak died
- Oil giants fluctuate
- Even today’s stars (Meta, Google, Apple, Nvidia) could be disrupted someday. That’s the reason why $PYFC 2.0 is also invested in Gold and the broad S&P500 Index.
No corporation is immortal.
But a Family Bank?
- It doesn’t sell one product
- It doesn’t depend on a single market
- It doesn’t rely on innovation cycles
- It can change direction instantly
- It can own ANY asset class, anywhere
A family bank is not a business.
It is an architecture of wealth.
🏦 2. A family bank can survive ANY economic cycle
- Recessions
- Depressions
- Hyperinflation
- War
- Regime change
- Tech shifts
- Market crashes
- Industry death
Family banks survive because:
- They hold diversified assets
- They lend instead of consume
- They NEVER sell in panic
- They don’t have shareholders demanding returns
- They think in 100-year time frames
The Rothschilds survived:
- The fall of Napoleon
- The Crimean War
- World War I
- World War II
- The Great Depression
- Multiple fiat currency collapses
- Regime changes in Europe
No corporate entity has EVER survived that level of destruction.
But their family bank did.
💎 3. Family banks do not depend on external capital
Corporations require:
- customers
- innovation
- product-market fit
- revenue
- investor confidence
- access to credit
Family banks require:
- discipline
- capital preservation
- compounding
- internal lending
VERY different foundations.
A family bank cannot “fail” unless the family:
- destroys it
- empties it
- abandons discipline
It is antifragile by design.
🔥 4. A family bank can OWN companies, but companies cannot OWN a family bank
Rockefeller Family Bank → owned:
- Standard Oil
- real estate
- railroads
- banks
- oil pipelines
- global assets
- later tech stocks
But Standard Oil could NOT own the Rockefeller bank.
The bank sits ABOVE the economy.
Companies sit inside the economy.
That is why the hierarchy is:
Family Bank > Companies > Markets
🧬 5. Family banks are multi-generational capital machines
A company’s lifespan is typically:
- 10–50 years strong
- then plateau
- then decline
A dynasty bank’s lifespan?
Unlimited, as long as the rules are respected.
Examples:
- Rothschilds: 7 generations
- Rockefellers: 6 generations
- Mellons: 6 generations
- Waltons: now 3 generations and rising
Meanwhile…
The average U.S. corporation lasts 18 years.
🧠 6. They compound without extracting value
Companies must:
- pay dividends
- reinvest profit
- satisfy shareholders
- manage layoffs
- survive competition
Family banks:
- NEVER drain capital
- NEVER have external shareholders
- NEVER face disruption
- ALWAYS compound
They become Sovereign Financial Ecosystems.
👑 FINAL CONCLUSION
✔ YES — family banks are the strongest financial entities ever created.
✔ Stronger than companies.
✔ Stronger than corporations.
✔ Stronger than empires.
✔ Stronger than most nation-states.
Because:
- Companies survive markets.
- Family banks survive centuries.
A company is mortal.
A family bank is immortal — as long as the family follows the rules.
Mine is a conceptual Bank fueled by self-discipline, an Obsession for Money, and a quest for Financial Independence. Since MONEY is Freedom and Security. Two of the most valuable things in life!
PYGOD Bank Goals:
- Wealth Building
- Wealth Preservation
- Financial Independence
- Antifragile.
PYGOD Bank Guidelines:
- Monthly contribution of $1 for each year of your age, or 10% of your profits, or 50% of expendable income—whichever amount is greater.
- 1% Consumption Tax paid to PYB on every non-business dollar spent.
- Can borrow up to 90% of The Vault at 5% interest. You must continue to contribute while paying back your loan monthly.
- Your loan(s) must not be more than what you make in 3 months.
- Never touch the principal ($PYFC 2.0).
- Rules can be amended.
PYGOD Bank has four parts:
- $PYFC 2.0 (Investments) ⁓ 80%
- BBND Fund (Margin account) Margin loan ≤ 25% of collateral account(s)
- The Vault (Saving & Loaning) ⁓ 20% (6-24 months of expenses)
- Freedom Fund (Dividend Redemption Fund, DRF)
PYGOD Bank can have multiple accounts just like a bank has multiple branches.
TITHE TO YOURSELF
- Monthly contribution of $1 for each year of your age (great for children), or 10% of your profits, or 50% of expendable income (remaining after living expenses)—whichever amount is greater.
- 1% Consumption Tax paid to PYB on every non-business dollar spent.
- You can tithe in advance.
- You should always tithe/contribute even when in debt.
BORROWING FROM YOURSELF
The Vault (Emergency Corpus)
Goal: Maintain 6 to 24 months of living expenses available for borrowing if necessary. 12 months is the goal, but don’t stop until you hit at least 6.
- 12 Months of Expense invested in TCSH.TO, a high-interest (⁓3%) cash ETF.
20% Gold (PHYS) of the remaining balance once the 12-month base is secured.- 80-100% Equity (VFV.TO) of the remaining balance once the 12-month base is secured.
- ?% Equity (QQI.TO) instead of Gold.
Into a TFSA (CELI) tax-free account, if possible.
- Only use it in absolute necessity.
- Can borrow up to 90% of The Vault at 5% interest. You must continue to contribute while paying back your loan monthly.
- Your loan(s) must not be more than what you make in 3 months.
- Rules can be amended.
5% year interest (compound daily) = Monthly Interest: 0.4166666%/month (x 0.0041666)
Calculated Monthly on the Last Day of the Month
Compound Daily (365) 5%/365 = 0.0136986% (x 0.0001369)
Weekly: 0.0961538% (0.000961538)
Minimum Monthly Payment
2% of the balance or $50 if the 2% of the total amount you owe is less than $50.
Payable on the first of each month.
BBND Fund (Buy Borrow Never Die Fund)
In other words, a margin account.
An income engine financed by borrowed Money with the well-established $PYFC 2.0 as collateral.
Margin Rules
- Maximum target margin usage: 25%.
- Temporary increases up to 30% are permitted only if caused by market declines—not by additional borrowing.
- Collateral must consist exclusively of long-term “forever” investment accounts. Personal accounts, emergency funds, and The Vault must never be pledged as collateral. Current collateral: $PYFC 2.0 (ledger-held cryptocurrency excluded).
- Do not invest new capital directly into the BBND Fund. The fund exists solely to borrow against the collateral account. All new investments belong in the collateral account, strengthening both net worth and future borrowing capacity.
- Investment income should pay the carrying costs. Whenever possible, distributions, dividends, or other investment income generated by the BBND Fund should be used to pay margin interest before any excess income is reinvested.
Philosophy
The BBND Fund is conceptually similar to taking out a second mortgage on a house—except the collateral is a diversified investment portfolio instead of real estate.
The objective is not to sell long-term assets, but to unlock a portion of their value while allowing them to remain invested and continue compounding.
Conservative leverage is the foundation of the strategy. By maintaining a target margin usage of 25%, with a temporary tolerance of 30% due solely to market declines, the probability of forced liquidation is significantly reduced while preserving access to long-term liquidity.
Selection Criteria
First: High and reliable distributions (yield or dividends) to pay the margin interest.
Second: Strong long-term total return (including capital appreciation, dividends/distributions, and stock splits) to grow the borrowed capital over time.
The ideal investment generates enough cash flow to service the debt while continuing to compound wealth over time.
PYGOD BANK BALANCE SHEET:
ASSETS
- $PYFC 2.0
- The Vault
- BBND Fund (margin account)
- Loan to PYGOD
- Dividend Redemption Fund (DRF)
DIVIDEND (The 3% Rule)
Freedom Fund (Dividend Redemption Fund, DRF)
- May withdraw a maximum of 3% of its market value each year on August 30, only if necessary.
- Never touch the principal.
- PYB will calculate its Percent-of-Market-Value (POMV) payout on that date.
- The amount will be 3% of the total PYB value as of August 30 of each year.
- That 3% goes directly into the Freedom Fund.
- Capital allocated to the Freedom Fund may be spent or reinvested within the Freedom Fund.
- Principal (PYFC + The Vault) remains completely untouched.
END GOAL
Live off the 3% yearly dividend and never have to worry about Money ever again. 😎
≤ 5% is a little ≥ 15% is a lot
Updated July 27, 2026.
The strength of PYGOD Bank comes from $PYFC 2.0 — a powerful growth engine accounting for 80% of the PYGOD Bank’s capital.
$PYFC (PYGOD Freedom Conglomerate)
PYGOD, Investor/SCA at $PYFC
(Supreme Capital Allocator)
pygod@pygear.com
PYFC.ca
A Foundation, a Collection, a Sovereign Wealth Fund, a Conglomerate, a Currency, and ‘The Secret’ all mixed into one.
One Vehicule: Stock Market (cryptocurrency was an “happy accident” that turned $PYFC into $PYFC 2.0)
Only a few stocks. Only the best.
Only one formula:
Punch Card x Coffee Can
20 Punch Card Portfolio:
“I always tell students in business school they’d be better off when they got out of business school to have a punch card with 20 punches on it. And every time they made an investment decision, they used up one of their punches, because they aren’t going to get 20 great ideas in their lifetime. They’re going to get five or three or seven, and you can get rich off five or three or seven. But what you can’t get rich doing is trying to get one every day.” – Warren Buffett
You have 20 slots (1 investment per slot) for the rest of your life. Choose wisely and carefully.
“The Coffee Can Portfolio harkens back to the Old West, when people put their valuable possessions in a coffee can and kept it under the mattress. The coffee can involved no transaction costs, administration costs, or any other costs. The success of the program depended entirely on the wisdom and foresight used to select the objects to be placed in the coffee can to begin with.” – Robert G. Kirby
In other words, you buy stocks with an investment horizon of at least 10 years and you never sell no matter what. Forget every conventional “wisdom” about diversification and overexposure to a given company or industry. Don’t ever try to time the market. Just HODL (Hold On for Dear Life). The portfolio is not optmized for short-term gains.
Think on a 10-, 20-, and 50-year horizon.
3 measuring sticks:
- AUM (Asset Under Management)
- IC (Invested Capital)
- ROI (Return On Investment)
Goals:
- Capital preservation.
- Long term growth.
6 Pillars:
- PGR
- NVDA (Formerly the “N” in MATMAN)
- AAPL
- VFV.TO
- MATMA
N(META, AMZN, TSLA, MSFT, GOOG) ecosystem “ETF” - PHYS.TO
2 “Happy Accidents”:
- BTC
- ETH
Not a part of $PYFC 2.0
The perfect vehicule to park cash in The Vault
- TCSH.TO
The perfect vehicule for the BBND Fund (margin account).
- HDIV.TO
- BK.TO
Each stock is bought as a share in a business (as it is).
PGR (Progressive Insurance) The very best, used to be the backbone of $PYFC 2.0.
NVDA (Nvidia) Certainly the leader of the pack in the AI boom since NVDA is selling the pickaxes and shovels.
AAPL (Apple Computer) Enough said!
It’s probably the best business I know in the world.
— Warren Buffett about Apple
MATMAN (META, AMZN, TSLA, MSFT, GOOG) ecosystem “ETF” that I’ve created. 5 of The Magnificent 7, the two other NVDA and AAPL are just above. Since none of them were and are a particular favorite of mine. But as a unit, they make a lot of sense. NVDA was an official member (MATMAN at the time) before flying solo and becoming my new darling. One thing for sure, tech will always goes up on the long term.
VFV.TO (Vanguard S&P 500 Index ETF – Canadian version) Forget about gold, bonds, and real estate. Historically, the S&P 500 (American economy) has outperformed any other assets. My default investment.
Now you own a piece of the 500 largest publicly traded companies in the United States of America and every fucking stiff from the factory floor to the CEO is working to make you richer.
— The Position Of Fuck You by JL Collins
PHYS (Sprott Physical Gold Trust) Buying physical gold without the hefty premiums to pay on buying and selling it. The best of both worlds!
After selling some of my gold jewelry, I’ve changed my mind about gold as an investment. All I can tell you is that my bling-bling — despite the high premiums on buying and selling jewelry — ended up being one of my best investments, decades later.
I see Gold as a default investment just like VFV (S&P 500 Index ETF). A safe investment to fall back on when/if the AI bubble bursts and some of the Magnificent 7 companies get disrupted.
Money isn’t everything – gold is. Fuck T-bills! Fuck blue chip stocks! Fuck junk bonds! We’ve got the real deal! Money will always be paper, but gold will always be GOLD!
— Darwin Mayflower in Hudson Hawk (1991)
Here’s my two illegitimate bastards below. “Happy accidents” is what I like to call them. I see both as nothing more than glorified lottery tickets. But I like them anyway! Maybe they will be of some use one day.
BTC (Bitcoin) The undisputed King of cryptocurrency.
ETH (Ethereum) The distant number 2.
However, ETH can be staked for up to 2.7% APY (Annual Percentage Yield).
Apart from those two, I consider the rest to be worthless shitcoins used for gambling purposes only.
BBND Fund
HDIV.TO – Hamilton Enhanced Canadian Covered Call ETF
Likely the best vehicle for Canadian investors to invest on margin while letting the monthly distribution yield pay for the margin interest.
HDIV: The GREATEST Canadian ETF of ALL TIME? Growth Investors will be SHOCKED!
BK.TO – Canadian Banc Corp
Fits my two criteria for the BBND Fund perfectly.
First: A high monthly distribution targeting 15% annually, enough to cover the margin interest.
Second: Excellent long-term total return.
Proven through the 2008 Financial Crisis and the 2020 COVID-19 crash.
Invests exclusively in Canada’s Big Six banks:
- Toronto-Dominion Bank
- Royal Bank of Canada
- Bank of Montreal
- Canadian Imperial Bank of Commerce
- Bank of Nova Scotia
- National Bank of Canada
The Vault (Emergency Corpus)
TCSH.TO – TD Cash Management ETF
Following extensive research and analysis — as with everything on this list — TCSH is the best way to park cash in The Vault. Cash that remains available for personal loans when needed. With a safe ≈ 3% yield, TCSH has already beaten every alternative.
Americans have much better alternatives. But in Canada, this is about as good as it gets once you factor in the exchange rate.
You get up two and a half million dollars, any asshole in the world knows what to do: you get a house with a 25 year roof, an indestructible Jap-economy shitbox, you put the rest into the system at three to five percent to pay your taxes and that’s your base, get me? That’s your fortress of fucking solitude.
— Jim Bennett in The Gambler (2014)I ask wealthy people one simple question:Do you have $5 million liquid? You’d be shocked how many say no.They own assets — homes, watches, businesses — but no cash and when things go wrong… none of that matters.Liquidity is survival.I keep $5 million in T-bills for one reason:Peace of mind.Because when chaos hits, I don’t panic — I open my account.
— Kevin O’Leary
≤ 5% is a little ≥ 15% is a lot
Updated January 5, 2026, with the completion of $PYFC 2.0
Fund Managed: 1
Founded: March 16, 2022 (Bitcoin); June 3, 2022 (Stock Market).
Investing Assets: Stocks, ETFs, Cryptos, Precious Metals
Investment Style: DCA x HODL/CONCENTRATION = $PYFC
Sector: Equity (Long)
Geography: United States
Time: Forever
Investment Stage: Late (Mature Companies)
Strategy: DCA x HODL/CONCENTRATION = $PYFC
# of Holdings: 11
The very best investment vehicule ever created. So great, it’s should be its own currency!
I’ve created it!
Now that you know The Secret, a well-deserved donation to $PYFC 2.0 would be more than appreciate.
Now, all you got to do is to fund it.
Feed the Bank!!!
Everything of the above, just like anything worthwhile in life, is only possible with one thing.
DISCIPLINE
The Bank Always Wins
PYGOD, Banker of PYGOD Bank
References:
Family Bank – Start One In 5 Simple Steps
https://www.linkedin.com/pulse/you-can-illuminati-following-three-steps-sudarsan-babu/
https://funcheaporfree.com/the-7-bank-accounts-your-family-should-have-updated/
https://jaserodley.com/why-you-need-a-freedom-fund/
https://www.quantumamc.com/asset-allocation
https://www.sentex.ca/~ggrevs/LearnToTitheToYourself.html
https://humbledollar.com/2017/10/self-tithing/
https://rossdawson.com/power-of-giving-away-profits/
https://petikspinayinvestor.wordpress.com/wp-content/uploads/2015/05/the-money-jars-edition-3.pdf
https://www.everydaycheapskate.com/how-to-be-your-own-lender/
https://www.peoplespolicyproject.org/projects/social-wealth-fund/
https://levelthefield.substack.com/p/creating-a-sovereign-wealth-fund
https://sabercapitalmgt.com/practicing-a-punch-card-approach-to-investing/
https://brontecapital.blogspot.com/2016/09/comments-on-investment-philosophy-part.html
https://tdmgrowthpartners.com/insight/punch-card-mentality/
https://kestrel.ie/resource/practicing-a-punch-card-approach-to-investing/
https://sabercapitalmgt.com/the-coffee-can-edge/
https://novelinvestor.com/the-coffee-can-approach/
https://www.intelligentinvestor.com.au/investment-news/till-death-do-us-part-my-never-sell-list/139202
Why I Only Build on the S&P 500 (Not VTI, QQQ, or the Dow)
HDIV: The GREATEST Canadian ETF of ALL TIME? Growth Investors will be SHOCKED!
Why Oligarch’s Love Their Mega Yachts
Disclosures:
I am long BTC, ETH, NVDA, PGR, VFV, AAPL, META, GOOG, MSFT, AMZN, TSLA, PHYS, TCSH, HDIV, and BK.
The content contained in this whitepaper represents the opinions of PYGOD. You should assume PYGOD and his affiliates have positions in the securities discussed in this whitepaper, and such beneficial ownership can create a conflict of interest regarding the objectivity of this whitepaper. Statements and figures in the whitepaper are based on historical data and do not guarantee future performance. Investments in stocks, stock indices, cryptocurrencies and commodities can be volatile and are subject to certain risks, uncertainties and other factors. Certain information in this whitepaper concerning economic trends and performance is based on or derived from information provided by third-party sources. PYGOD does not guarantee the accuracy of such information and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. Such information may change after it is posted and PYGOD is not obligated to, and may not, update it. The commentary in this whitepaper in no way constitutes a solicitation of business, an offer of a security or a solicitation to purchase a security, or investment advice. In fact, it should not be relied upon in making investment decisions, ever. It is intended solely for the entertainment of the reader, and the author. In particular this whitepaper is not directed for investment purposes.