45 Rentals and $0 Debt: The Money Mindset Shift That Made Me Financially Free

BiggerPockets Blog
Published: December 1, 2025
Getting Started

Summary

This article shares the story of an investor who built a 45-property portfolio by focusing on a positive money mindset, minimal debt, and smart real estate decisions. Hosts can learn from her experience by focusing on financial security, defining what being "good with money" means for them, and creating a plan to achieve their financial goals.

Key Insights

  • The investor bought her first property for $13,625 and sold it 18 months later for $18,000, demonstrating a successful early investment.
  • The investor's initial real estate purchase was made with a small down payment, highlighting that risk can be low with entry-level properties.

Action Items

  • Create a plan with specific financial goals, such as financial independence, to guide your investment decisions.
    Effort: low
    Impact: medium
  • Define what "being good with money" means to you, including financial security and creating multiple income streams.
    Effort: low
    Impact: medium

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