How to build your own inflation-protected paycheck—without handing a lump sum to an insurance company. 1 | The Two Paths to “Guaranteed” Retirement Income Rental Real Estate (“DIY Pension”) Commercial Annuity Up-Front Capital 20–25 % down per property (leverage!) 100 % lump-sum premium Income Source Monthly rent – expenses = cash flow Insurance company … Rental Properties vs. Annuities for Lifetime Income
Why passing bricks, doors, and rent checks to your heirs often beats bequeathing ticker symbols. 1 | Legacy in Two Flavors: Tangible vs. Intangible When families talk about “leaving something behind,” they usually picture a childhood home, an apartment building, or the farm Grandpa built—not a password to an online brokerage. Real estate is a … Wealth You Can Touch: Generational Estate Planning with Real Assets vs. Paper Proxies
Why buy “paper promises” you can’t control when you could wake up every month to predictable rent checks? 1. The 2 a.m. Ticker‑Tape Problem How many times have you checked a stock‑app notification before sunrise and thought, “Wait … why did my portfolio drop 4 % while I was asleep?” • Global headlines you can’t influence—earnings misses in Silicon Valley, interest‑rate tweets, geopolitical … Sleep‑Well Investing: Cash‑Flow Certainty in Rentals vs. Overnight Market Swings