As I stand at my window during a recent getaway with my wife and boys, looking out over the beautiful Pyrenees it reminds that spring is here…

Just like any season, with spring comes change.

As I look out over the deep green of the meadows and valleys I ponder my own seasons… the seasons that have made up my life and how my views about investing have changed over time.

I was so moved by everything that was going through my mind that I stopped for a few minutes to do a short video on the subject. Click into the image below and watch it:

In my 20s everything was new…

I think back to where my head was in my college years and in my 20s. You see, I had a bunch of debt after graduating college. I was living day to day and while it was frustrating it was still really exciting! Everything was new; I was still learning and just beginning my journey as an adult making decisions in life. I focused on paying down my student debt and saving for my first home.

At that time I was part of a company plan and was able to put money away in my 401K.

Then I blinked and was suddenly.

In my 30s things started changing…

Oh, boy. It doesn’t seem that long ago that I was turning 30. That’s the way in life, right?

As I entered my 30s, it was the first time I started thinking about making my money work harder for me. The only thing I knew then was to invest in stocks. So that’s what I did with my extra money. However, that would come back to bite me, because I started out like a lot of people who invest in stocks. I was doing well. But then the market crashed and I lost about 35% of the value of my stock portfolio. It was a hard lesson.

I wouldn’t repeat that mistake in my 40s!

And now I’m in my 40s…

Now that I’m in my 40s, I have a wife and two children to take care of. My life has shifted to leaving a legacy, which means making the absolute best financial choices for my family.

One of those decisions was to take a job in a leadership role in my company. I began earning a lot better pay over time, which meant bigger bonus checks and more savings. At first I was putting more in my 401K, but then I realized something frightening. The money I was putting in was being spread across thousands of companies and I had no control! I didn’t get to choose where my money was being invested.

Then I had an epiphany. I realized in a big way that I wanted control over my own finances and future. That was right around the time I was learning my newest language… that of real estate investing. (It’s a language I’m really happy I learned, too!)

What lies ahead?

As I continue on this new and very bright horizon in life, I want to create predictable streams of income vs. gambling in the stock market that can bottom out in a flash and leave you broke.

So I went on a track to learn about asset classes and which bring the greatest returns.

The classes are:

Real assets – Tangible assets, like real estate (for me it means decent multifamily properties that are a draw for families with the ability to pay rents steadily). You can see properties; you can see the improvements that push the value and rents up in multifamily properties. The returns are great, and because you have several units under one roof, the costs are also more predictable vs. having several single-family properties. (Think about roof issues, plumbing, new countertops, etc.)

Paper assets – These are stocks, bonds, mutual funds and other intangibles. However, you have little control over the intangible paper assets. Your returns are affected by the markets and economy. I once only knew about investing in stocks as an option; now I don’t invest in stocks if I don’t have to.

Commodities – Investing is all the stuff we consume or otherwise use in our lives. Commodities can be a good investment, but you must have a pretty clear understanding of how those investments work. As for me, I’ll choose to invest in real estate (a proven strategy, because everyone needs a place to live, work, and play) over commodities any day of the week!

Businesses – Creating or investing in a business can be a good financial strategy, but you are locked into the ability of the business owner’s ideas of running said business. A business is only as good as its management. So what if the idea for the business is great, but it fails due to operational elements you have no control over? Let’s say you’re an angel investor in a new or existing business. Everything looks great on paper, you invest and then the business goes belly up in its first 18 months… which happens often. You are out your investment capital. With real estate investing that doesn’t happen.

Of these four classes, the only one that makes a lot of sense to me is real assets… real estate… and in my case, multifamily properties in the U.S. That’s why I use the long-distance investing strategy I do! And it works brilliantly. (At the time of this writing I’m actively seeking to purchase property that fits my investing criteria with 50+ units.)

My 50s aren’t far ahead…

As I move toward my 50s, I will focus more and more on creating predictable streams of income through multifamily investments. This won’t just bring me phenomenal cashflow month after month; it will continue to improve the quality of my life as an entrepreneur and, better yet, the quality of life of my wife and children. The way I see it, there is no better reward than that.



Much like moving through the spring, summer, fall and winter of our lives, we all need to know where our minds are at in each season in regard to our investment decisions and how our decisions impact the quality of our lives.

If you are entering the winter season of your life, you might be wondering if you will have enough money to live a good quality of life come retirement. That’s a fair question… especially since you’re in good company.

Did you know that 10,000 people turn 65 years of age every day?

Of these Baby Boomers is it estimated that 37% have put less than $50,000 away for their retirement; only 15% have put more than $500,000 away. Now that’s a little frightening.

This shines a new light on the importance of taking control of your own finances, doesn’t it? Self-directing your retirement account is one way, but that’s just a first step. Using that account to invest in real estate that gives your retirement account (because you are not the one investing; your retirement account is) excellent returns just makes good sense.

Then you can enjoy a higher quality of life during your retirement years. You can spend more worry-free time with family.

I work with investors who do just that… they use their retirement accounts to invest with me. While I am not a tax expert nor a CPA, I can at least answer questions about the process. I invite you to use this special link to schedule a FREE CALL with me.

Let’s chat. Here’s the link:

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