The investment that built your wealth may not be the investment you want funding your retirement.
That distinction becomes increasingly important after 55.
At 35, trading current income for leverage, appreciation and decades of compounding can make excellent sense.
But your priorities may be different at 55 or 65.
You may want:
– More current income
– Fewer operating decisions
– Less dependence on future appreciation
– More protection if property values decline
That does not mean your rentals failed.
In fact, the opposite may be true.
Many longtime landlords now own properties that have appreciated so much that the income yield on their growing equity has quietly collapsed.
Maximum equity. Minimum current yield.
The difficult question is no longer: “Will real estate prices keep rising?”
Nobody knows the answer to that one. I sure don’t.
Here’s a better question: “What job does this money need to do for me now?”
In my newest video, I compare the income from two hypothetical Boise rentals with the income that might be generated after selling, paying the applicable costs and taxes, and repositioning the net proceeds into real estate private credit.
I also cover what you give up: future appreciation, direct control and liquidity.
This is not an argument that every landlord should sell.
It is an argument that the structure that helped you accumulate wealth should not automatically become the structure you depend on for retirement income.
Comment “YouTube” and I will DM you a link so you can watch the video and calculate your own current cash yield on equity.
The answer may change how you look at your portfolio.
My $100,000 Was Here
In 2021 I put a hundred thousand dollars into a multifamily deal and never saw
September 2, 2026
