View In Browser

Hello, hello, hello! Welcome to the BiggerPockets Money Newsletter!

What a whirlwind of economic news we've had. Every day, there is more and more uncertainty.

We want you to stay focused on the goal of long-term wealth building. Make sure you are subscribed to the BiggerPockets Money Podcast to stay up to date on current investing strategies that can get you one step closer to reaching FI.

This week, we'll jump into:

—Mindy Jensen, host of the BiggerPockets Money podcast

P.S. BPCON2025 is October 5-7 in Las Vegas! Join us for a Finance-Focused track! Get your tickets

POCKET CHANGE

Ready to Retire?

It’s not a pipe dream—it’s just smart real estate planning. There are legal, IRS-approved strategies that real estate investors are already using to build wealth and never hand over a chunk of it in retirement.

We break down seven ways to retire tax-free through real estate investing—including a few creative strategies most people don’t even know exist.

👉 Read how investors are building tax-free wealth.

MY FAVORITE BLOG ARTICLE

5 Investments You Can’t Hold in an IRA

Self-directed retirement accounts—like IRAs and 401(k)—are a great way to have more control over your investments.

However...you can't hold every type of investment within these accounts. There are still rules you have to follow.

Here are 5 Investments You Can’t Hold in an IRA.

Presented by Ignite Funding

Real Estate: Stable Investments Amid Market Volatility

Tired of unpredictable market swings? At Ignite Funding, we offer real estate-backed trust-deed investments that provide stability when the markets don’t.

With over $200 million paid in interest to our investors, our model delivers fixed returns backed by tangible real estate—no stock market exposure, no managing tenants, no surprises.

Whether the economy is booming or slowing down, trust-deed investing with Ignite Funding remains a proven, reliable way to grow and protect your wealth.

AMBERLY MAKES CENTS

Three Things I Learned About the FIRE community While Hosting a FIRE Cruise!

I have always suspected that the FIRE community has changed over the past 10 years, but this year's FinTalks Cruise confirmed it. Read more to find out three things I learned hosting 125 FIRE nerds on a Royal Caribbean ship.

SCOTT'S THOUGHTS

How Long Does It Take to FIRE?

Financial freedom sounds liberating, but let’s talk about its true cost: two decades of your life, minimum.

The first decade is a grind—relentless saving, investing, and side-hustling to amass, say, $1 million. That’s 10 years of discipline, skipping vacations, and optimizing every dollar. You’re building wealth while peers spend freely, and it’s not glamorous.

Then comes the second decade, where you’re at peak earning potential. Walking away to “retire” early means forgoing millions you could earn by staying in the game. That’s the real sacrifice—trading high-income years for freedom. Most people don’t realize early retirement isn’t just about hitting a number; it’s about giving up prime earning power to enjoy life on your terms.

Those two decades—one to build, one to step away—are the price of escaping the rat race. It’s worth it for those who value time over money, but it’s a steep cost.

Pay it. It's worth it.

THIS WEEK ON MONEY

The Simple Path to Wealth Has Been Revised!!!

The Simple Path to Wealth is one of the most influential books in the FIRE movement. JL Collins is revered among early retirees as one of the trailblazers for FIRE, showing that anyone—with the right investing consistency—can reach financial independence without complicated investing strategies, risky alternative assets, or individual stock picking.

Listen to JL Collins chat with us about the new, updated version of this seminal book.

COMMUNITY HIGHLIGHTS

Umbrella Policies?

Join the BiggerPockets Money group on Facebook and share your thoughts on umbrella policies here. 

Together with Baselane 

Take control of your rental property finances!

With Baselane, automate rent collection, track property performance, and earn up to 3.35% APY. BiggerPockets members get a $100 bonus. Manage your rental portfolio effortlessly!