theficouple @theficouple
Millennials who teach Real estate & Personal Finance| Paid Off $100k Debt in 3 Years| Own 11 Rentals| Financial Freedom in our 30’s| instagram.com/theficouple?ig… Learn More👇🏻 Joined November 2020-
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If you want to have a lot of money be around people who talk about: -Investing -Entrepreneurship -Personal growth If your circle isn’t talking about any of these? Your circle is a cage.
Where are taxes the highest: 1. California: 13.3% 2. Hawaii: 11% 3. New jersey: 10.75% 4. Oregon: 9.9% 5. Minnesota: 9.85% 6. New York: 8.8% What do you notice?
The largest survey of millionaires ever found that 3% inherited $1 million or more from their parents. The study also found that 80% were self made and received no inheritance at all. Does this surprise you?
The path to wealth is simple. Get a college education, earn a stable well-paying job and do the following: 1. Invest in the stock market 2. Buy a home 3. Pay off all your debt Do this and you're well on your way to becoming a multi-millionaire.
Bitcoin seems like a bet against the US economy? A bet that if the US economy & the dollar fail, Bitcoin will become the common currency? This is very unlikely to happen. "I have yet to see a time when it made sense to make a long-term bet against America". -Warren Buffett
93% of adults in the US are not millionaires. Remember this the next time you see someone say having $1 million is not a lot.
This is Bernard Arnault:Tthe richest man in the world. Networth: $23.5 billion How did he get so rich? Millions of people buy his stuff to look rich rather than being rich.
Let’s say you had $132,000 in the bank. But you also have a $132,000 mortgage at 5.4%. Would you invest your money in the stock market or pay off the house?
We met a couple from Wisconsin recently. They own a $600,000 paid off home. They tap into the equity using HELOC’s to flip 1-2 properties per year. Still not sure why people say a home is not an asset? 🏡
Top 10% net-worth by age group: 25-29: $128,000 30-34: $242,000 35-39: $496,000 40-44: $761,000 45-49: $832,000 50-54: $1 million 55-59: $1.4 million 60-64: $1.5 million Do these numbers surprise you?
4. Go big or go home is just marketing: Own enough real estate such that the cash flow gives you financial freedom. For many, this is far less than owning 100 apartments. In fact, for many owning 7-10 properties especially if paid off? That could give you all you need.
3. 25% down payments are just a bank requirement: You can use 3-5% down loans when you're moving into a rental property. You can use 0-10% down loans when you're buying a property without using a bank. This is called creative finance.
2. Rich people get rich from real estate: You dont need to first be rich before you begin buying real estate. Whether your home or rental properties, you can be average wealth & have real estate be a big reason you end up being rich.
1. Real estate is not passive (well, not entirely) Managing rentals can require maybe 10-15 hours a month of management and maybe less. Finding properties to buy can feel like a full time job when you're in deal finding mode. Real estate is a version of passive but not 100%
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@theficouple Sounds like you’ve got it all worked out 🔥
What would you do with your time if you only had to work 10 hours a week?
@theficouple @dchidyllo There are some specific IG people that I am particularly thinking of that I just get exhausted by - and I don’t think they even realize they are being deceptive. I think the way you two are starting your portfolio is how 99% of people should start. House hack, start small.
@dchidyllo Haha, I’m not referring to @theficouple. They’re doing it the right way, in my opinion. Not claiming to be gurus, just building their stuff brick by brick. They aren’t making net worth claims like I’ve seen some IG folks do.
@theficouple They will co-exist. Except the dollar will slowly move toward zero every year.
@theficouple I understand, each state must make money off the people in some way. Texas has no income tax but has high property tax. Florida has no income tax, but high sales taxes and tourism tax. Oregon has 9% income tax, but no sale tax.
@RuffinFinance @theficouple If the dollar fails, we have more issues than what’s scarce.
Everyone wants to jump into massive deals. I have done hundreds of small deals. The small deals prepare you for the big deals.
@theficouple If the only tool you have is a hammer, it is tempting to treat everything as if it were a nail.
Better to admit you don’t know than pretend you do. It’s okay, we can all say it. You’ll feel better once you get it out of your system. I’ll even go first: I have no idea where interest rates are headed.
@RuffinFinance @theficouple If fiat currency is the reason, why not just buy gold directly for a hedge? It certainly has a much longer track record that Bitcoin as a hedge.
Wealth Building 101 1. Open an account 2. Deposit money 3. Buy index funds/ETFs 4. Reinvest dividends 5. If there is a dip, buy more 6. Keep buying every month 7. Hold and be patient Watch your wealth grow.
How to get around this? Be poor like me and own a townhouse built in the late 80s that doesn't have a garage. Follow me for more money saving advice!
Garage door just randomly stopped working… Joys of home ownership.
Been filming in ✨4K ✨ all week. The file sizes are massive but the final product 🤌🏾 This screen grab made me chuckle 😂 Caption this pic 🎥 below ⬇️
@RuffinFinance @theficouple Lol if the dollar falls, digit currency is not saving you. Might as well invest in bullets and water if that’s your outlook.