You Have a Multi-million Dollar Property Portfolio but You Can’t Retire. What Do You Do?

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In today’s episode, I’m going to talk about something that has come up about four times in conversation this week alone: how is it possible that one can have a multi-million dollar property portfolio but can’t retire? They are years away from any kind of meaningful financial freedom and don’t know what to do.  

This is a really common scenario. It sounds like it’s the exception, but more and more property investors are recognising that although they have created a fabulous net worth on paper, the portfolio they have is just not delivering them what they need. 

This comes up in conversations all over the place, and the expression I tend to use a lot is, “Don’t major in the minors.”  

A lot of people agonise about when they sell and get top dollar for their house, but the truth of the matter is, a lot of those minor variations like when you enter and exit aren’t the thing that’s going to move the needle. 

People who accumulate wealth through property have to recognise that having a high net worth on paper, which puts you in a position where you still have to continue to work, is only part of the battle around building life-altering wealth. 

It’s not that net worth is an irrelevant metric, but by itself, it doesn’t necessarily give us clarity on how far we are from achieving the sort of financial freedom that we want in order to pursue other things – or retire, for lack of a better word. “Retirement” is a dirty word for a lot of entrepreneurs, but what I’m talking about is the point in your life when you have the freedom to choose how you spend your time.

We cover:

  • why net income is absolutely terrible,
  • client case study #1,
  • why you shouldn’t get trapped in the traditional retirement model,
  • selling down your investment capital,
  • why you should keep working in some capacity to bridge the gap,
  • considering alternative investments, and
  • reflection and insights.
Show Notes:

00:00:00 – Intro
00:02:41 – Net Income is Absolutely Terrible
00:05:32 – Client Case Study #1
00:07:10 – Don’t Get Trapped in the Traditional Retirement Model
00:08:12 – Selling Down Your Investment Capital
00:10:32 – Keep Working in Some Capacity to Bridge the Gap
00:13:30 – Considering Alternative Investments
00:16:54 – Reflection and Insights
00:17:32 – Outro

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