Why do the rich stay rich — through recessions, inflation, and market crashes — while the middle class often ends up losing ground? Chartered Accountant Nitin Kaushik recently broke down what he calls “The Greatest Wealth Cheat Code Nobody Talks About.”

It’s a simple, entirely legal three-step playbook that the wealthy use to build generational wealth — while the middle class keeps working hard, saving harder, and paying the highest share of taxes. The strategy? Buy. Borrow. Die. Advertisement

It may sound provocative, but this framework, Kaushik explains, lies at the heart of how rich families preserve and grow wealth across decades without selling assets or eroding capital to taxes.

Step 1: Buy assets

“The middle class follows a pattern — Earn → Spend → Save — usually in fixed depos

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