Hello, hello, hello! Welcome to the BiggerPockets Money Newsletter!!
This week, we'll jump into: |
—Mindy Jensen, host of the BiggerPockets Money podcast
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Most people see debt as an insurmountable obstacle. What if I told you that it's actually a ladder you can climb—with each step bringing you closer to financial freedom? The steps may not be EASY, but they are SIMPLE.
If you don't know where to start, try these steps: |
Having a strong personal financial foundation is instrumental for your investing journey. If you can't manage your own finances, how will you manage them for a flip or a rental?
Money management and operations can make a big difference in the performance of your investment and your ability to FIRE. |
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Market Reality Check: NOT a Good Sign for the Economy |
Retail sales crawled up just 0.2% in February—way below the predicted 0.7%. Meanwhile, new tariffs are flying back and forth between countries, and the stock market responded with a dramatic 900-point nosedive, followed by an even steeper drop the next day.
What does this mean for your retirement portfolio? It depends on your timeline—preserve what you have if retirement is around the corner, or hunt for buying opportunities if you've got years ahead.
Take Scott Trench. In January, he moved 40% of his index fund portfolio into real estate because he believed market P/E ratios were overheated. The market has since tumbled, but Scott's move wasn't based on headlines or random advice. He researched, analyzed historical patterns, and made an educated decision.
We might be in for turbulence. How does your portfolio look right now? Are your allocations where they should be? |
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BiggerPockets investors, meet RealBricks—a new platform making real estate investing as easy as buying stocks.RealBricks lets you passively own cash-flowing rental properties with as little as $100—no mortgages, no management, just passive income.
Here’s how it works: |
- Browse investment properties
- Buy fractional shares starting at $100
- Earn rental income & appreciation
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We handle everything while you get paid quarterly. It’s perfect for investors looking to diversify outside their market or finally start building their rental portfolio.
Stop waiting—start investing in real estate in 5 minutes or less. |
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The FIRE Strategy Nobody's Talking About |
Let’s talk real about FIRE—Financial Independence, Retire Early. That $2.5 million target? It's a beast—especially on a median income with few assets.
But here’s the deal: Forget fixating on that distant endgame. Focus on something tangible: financial flexibility and building a solid "financial runway." This approach isn't just attainable; it delivers immediate, compounding benefits.
Forget the all-or-nothing mindset. Start by stockpiling six to 12 months' of expenses in a high-yield savings account. This safety net gives you breathing room to escape toxic jobs or take calculated risks. It's your foundation for everything that follows.
Then, put extra cash into taxable brokerage accounts—low-cost ETFs or a diverse portfolio if you're cautious about current valuations. Unlike retirement accounts, this money stays accessible while growing, giving you options without penalties.
Next, hustle up a side gig. Freelance, tend bar, consult, sell something online—even $500 monthly accelerates your momentum dramatically. Cut subscription creep and negotiate bills too—every dollar saved compounds and extends your runway.
This won't get you to FIRE overnight, but this kind of discipline creates years of financial flexibility—and it's amazing how opportunities seem to multiply when you've got the freedom to say "no" to what doesn't serve you and "yes" to what might. |
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Most FIRE enthusiasts misapply the 4% rule, risking their financial independence. With markets tumbling and recession fears mounting, you need to recession-proof your portfolio NOW. Get this wrong and face the ultimate nightmare: postponing retirement or returning to work after you've escaped.
Discover proper implementation, essential portfolio hedges, and the protective strategies Scott and Mindy are using right now. This isn't just information—it's retirement insurance you can't afford to skip!
Watch the full episode here. |
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Nik Johnson and his wife thought they were making a fantastic financial decision: owning their own small business. But a lack of expertise in this type of business, coupled with not having the right temperament for it, had him losing everything within a year.
Nik's response? If I built it once, I can build it again.
Watch this amazing episode of resilience and perseverance here. |
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Now through March 31, Early Bird Registration is OPEN for BPCON 2025!
When and where, you ask?
October 5-7, 2025 in Las Vegas, baby! We'll be talking real estate at Caesar's Palace.
Get $100 OFF your ticket before this Early Bird deal expires on March 31!
Register now →
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| AI is Changing Real Estate—Are You Ready? Join industry leaders, VCs, and Baselane’s CTO to uncover: |
- The next big shift in automation
- Where VCs are betting big on AI
- How investors are maximizing returns with tech
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