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Financial independence is the goal and investing is the path. Personal finance, budgeting, investing, and long-term planning work together to build stability and opportunity over time. As a mom, Lindsay is focused on creating generational wealth and believes real estate is a critical part of a diversified portfolio.
For Lindsay, financial independence means work optional. It’s the point where your passive income, cash flow, and/or portfolio drawdown can comfortably cover your annual living expenses—giving you flexibility, freedom, and choice over how you spend your time.
Personal finance is personal, and there’s no one-size-fits-all formula. That said, having a clear target is essential. Your Financial Independence (FI) number represents the amount of invested assets needed to support your lifestyle.
Here’s a simple way to estimate it:
1. Calculate your annual expenses.
Look at what you spend in a typical year. Some current expenses may disappear over time—such as a mortgage or student loans—so think in terms of what your lifestyle will require once work is optional. A budget or historical spending review is usually the easiest place to start.
2. Divide that number by 4%.
This is based on a commonly used withdrawal guideline designed to support long-term sustainability.
Example:
If you want $100,000 per year in passive income:
$100,000 ÷ 0.04 = $2,500,000
In this scenario, an investment portfolio of approximately $2.5M could support $100K in annual income.
For most people, financial independence can’t be achieved through saving alone. Investing is essential—not only to grow wealth, but to outpace inflation and create long-term stability. With a clear goal and an intentional plan, financial independence becomes a matter of strategy and consistency rather than guesswork.
There’s no single right way to invest, but there is a right way for each individual. Lindsay believes in building well-balanced investment portfolios that are intentionally diversified to manage risk across asset classes and market cycles. Risk tolerance, time horizon, and personal goals all matter—and thoughtful investing requires understanding how those pieces work together over time. Real estate plays an important role within that broader strategy, offering both tangible value and long-term growth when aligned with the right plan.

Reduce your taxable income through eligible business expense deductions and strategic tax planning.

Depending on the investment type, tenant income can help pay down your loan balance over time—building equity while you hold the asset.

Benefit from long-term equity growth as property values increase due to market forces.

Generate income after operating expenses, reserves, and debt service are covered.

Use borrowed capital to control a larger asset and potentially amplify returns.

Real estate offers a higher degree of influence over your investment compared to many passive assets.

Offset taxable income by accounting for the useful life of a property and its components.

Own a tangible asset with real-world utility—one that diversifies your portfolio and provides both financial and practical value.

Using primary residence financing to enter real estate investing. This strategy often involves renting out rooms or units while living on-site to offset housing costs and build equity.

Long-term, medium-term, or short-term rentals where a tenant or guest occupies the property in exchange for rent. This strategy can generate ongoing cash flow and long-term appreciation.

A short-term strategy that involves purchasing a property below market value, renovating it to its highest and best use, and reselling it for a profit.

A short-term strategy where an investor secures a property under contract and assigns that contract to another buyer for a fee, without long-term ownership.

Residential properties ranging from duplexes to large-scale apartment buildings. This strategy benefits from economies of scale and operational efficiency as unit count increases.

A passive investment strategy where multiple investors pool capital to acquire larger properties or projects, receiving an equity stake without day-to-day management.

Real Estate Investment Trusts allow investors to gain exposure to real estate by owning shares of companies that own and operate properties, often with liquidity similar to stocks.

Purchasing raw or vacant land to hold, sell, or improve over time. This strategy is often appreciation-focused and may involve development opportunities.
Phoenix, Arizona, United States
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