Assets by the Numbers · Ebook Series
한국어판 →Scattered tax tactics,
one flow of numbers.
This is not a book series about paying less tax. It shows how income, health coverage, liquidity, entities, and inheritance push on one another — so you can read, calculate, and verify with a professional. Each book ships as an ebook PDF + action workbook + starter calculator.
Real book and workbook pages shown · no fake reviews · verify with a professional before acting
60-Second Book Finder
What is the heaviest decision on your desk right now?
Start from your problem, not from a product name. Pick one and we will suggest the first book and a reading order.
The Asset OS Library
Start from one problem. Expand to the whole flow.
Each book stands on its own; E1 is the hub that connects taxes, coverage, liquidity, and retirement.
HUBE1 · Integrated tax design for high-asset, low-AGI transition years
The Tax Window
A layoff is not a crisis. It may be the best tax window the U.S. code will ever give you.
E2 · The legal short-term rental path to offsetting W-2 taxes — no REPS required
The Short-Term Rental Tax Strategy
Past $150K AGI, your real-estate losses have nowhere to go.
E3 · Buy-Borrow-Die and the five-layer liquidity stack
Wealth Without Selling
Rich on paper, short on cash? The wealthy don't sell. They borrow.
E4 · Loss harvesting in the last window without a wash-sale rule — and taking profits without selling
The Crypto Tax Reset
Stocks have a wash-sale rule. Crypto still doesn't. That door may close soon.
E5 · Your premium is set by MAGI, not by your health
Bridging the Retirement Gap
You retire, and family health insurance is $2,000 a month. What decides it isn't your health — it's your MAGI.
E6 · LLC · S-Corp · Trust — when to form one, and when it costs you
The Entity You Shouldn't Form
YouTube says "always Wyoming LLC." Below $40K net profit, that advice loses you money.
E7 · Step-up, gifting, and the state estate-tax trap
Designing the Transfer
Think the federal exemption means no estate tax? In estate-tax states, it can start in the $2M range.
FINALEE8 · Harvesting your low-bracket years, designed backward from RMDs at 73
The 10-Year Roth Conversion Roadmap
Deferred taxes don't disappear. At 73, RMDs force them due.
Bundles
The reading order matters more than the discount.
Pre-Retirement Decade Bundle
E5 Bridging the Retirement Gap + E8 Roth Roadmap. Health coverage and conversions from 55 to 65 on one timeline.
Suggested order
Start with E5 for the 55–65 MAGI and coverage gap → then E8 to reverse-engineer the 10-year Roth conversion
Crypto Wealth Bundle
E3 Wealth Without Selling + E4 Crypto Tax Reset. Keep compounding without selling — and get the taxes in order.
Suggested order
Clean up trade and lot records with E4 → then compare selling vs collateralized liquidity with E3
Complete Series (8 Books)
All eight books, one download. About 30% off the individual total.
Suggested order
Start at the hub (E1) → go to the deep dive closest to your problem → finish the long timeline with E5 and E8
What trust looks like
We never promise tax savings. We write books you can verify.
What has a source
Statutes, official materials, and verified facts are labeled.
What is for comparison
Example numbers and scenarios are for sensitivity comparison — not predicted results.
What to check before acting
Rates, state law, deadlines, and your personal facts — confirm with current official sources and a professional.
Who writes this
Ghil Labs is a brand of WAYPRIME LLC (New Jersey), run by a Korean-American real-estate investor working with a team of AI agents. This series distills calculations and judgment calls tested in that real portfolio — [Confirmed] and [Assumption] are always labeled, and AI only checks the math; a human makes the final call.
More about Ghil Labs →Frequently asked questions
Q.Is this advice from a CPA or attorney?
No. These are general-information, educational materials. The goal is to help you understand the U.S. tax system as structure and chain effects — not to give individual tax, legal, or investment advice. Before acting, review with a licensed professional (CPA, EA, or attorney).
Q.Who are these books for?
People building and protecting wealth in the U.S. — each book has its own target reader. E1 (high-asset, low-AGI transition years), E2 (high-income W-2 professionals), E5 (ages 55–64 before Medicare), E7 (households preparing wealth transfer, including U.S.–Korea assets), E8 ($500K+ in Traditional retirement accounts). Check "Who it is for" on each book page.
Q.Do I need a tax background?
No. Every technical term is explained in one line the first time it appears, and [Confirmed]/[Assumption] labels separate what is settled from what you must refresh when you act. Basic curiosity about concepts like AGI and tax brackets helps.
Q.What files do I get?
An ebook PDF + an action workbook/checklist PDF + that book's xlsx calculator. The exact contents are listed under "What's included" on each book page.
Q.Can I follow the numbers in the book as-is?
No. The figures are examples as of publication. Tax law, rates, and exemption limits change every year — update the Const sheet (current values) in the xlsx and confirm with a professional.
Q.Which book should I start with?
If you want the integrated picture, start with the hub (E1). If you have a specific problem — STR, crypto, pre-Medicare coverage, entities, inheritance, Roth — start with that deep dive.
Q.Are the bundles cheaper?
Yes. The Pre-Retirement Decade Bundle (E5+E8), the Crypto Wealth Bundle (E3+E4), and the Complete Series (8 books, about 30% off the individual total).
Q.What about refunds?
As with most digital products, refunds are limited once you have downloaded the files. Within 7 days of purchase, we give a full refund for corrupted files, a material mismatch with the product description, duplicate payment, or cancellation before download. See the refund policy for details.
Q.How does payment work?
Payments are processed securely by Stripe. Right after checkout you get an instant download link (the same link is also emailed to you).
Q.Are these strategies legal?
The books cover legitimate tax-planning and asset-protection principles grounded in the written tax code (IRC). How they apply depends on your situation, state of residence, and the year's rules — and some areas (like a crypto wash-sale rule) are subject to legislation. Professional review before acting is essential.
Q.Do these books recommend investments?
No. They do not recommend buying, selling, or holding any asset, and they do not endorse any product or platform. The subject is not "what to buy" but "how to organize the taxes on what you already own."
Start with the one book closest to your situation.
Not sure where to begin? The Book Finder suggests a first book and a reading order.
This material is general information for educational purposes only — not tax, legal, or investment advice. Examples of tax savings or returns are illustrative and do not guarantee individual results. Review with a licensed professional (CPA, EA, or attorney) before acting.