Want $10K/Month Passive? No One Teaches This Math

If you’re serious about building a real investment portfolio—not just collecting doors—this episode is required listening. Most agents (and honestly, most investors) are doing this backward. They’re buying properties with no actual plan for how those properties translate into retirement income, work-optional life, or actual freedom. This training flips that on its head and walks you through the thing almost nobody does: starting with your long-term number, translating it into an executable one-year plan, and then checking that plan against your three-year goal to make sure your effort actually leads to the outcome you want. It’s simple, it’s math-based, and it’s the clarity most people are missing.

Here’s the part that hit me hardest: real financial freedom isn’t about how many properties you own… it’s about how much equity you control. Cashflow is just a byproduct of strong equity positions. When you know, for example, that you want $10K/month in retirement ($120K/year), and you believe you can safely earn 6–8% on your equity at that time, the math becomes shockingly straightforward: you need roughly $2M in equity. Not $2M in property value. Equity. (What your properties are worth minus what you owe.) Suddenly, the entire timeline becomes real. Five to ten years for most people if you can buy your first property this year. And this is also where you have to get brutally honest about outside income streams: do you have a pension? Profit share? Social security? Something else that could meaningfully reduce the amount your portfolio needs to produce? That clarity alone changes everything.

And then the episode gets tactical. For your 2026 Plan, you need a one-year roadmap rooted in your actual resources: How much time do you have? How much money do you have? That combination determines your strategy. High time + high money? You can BRRR. Low money + high time? Create more income (side hustle, partnerships, wholesaling). High money + low time? Long-term rentals with great property management. Low money + low time? The goals won’t magically materialize—this is your wake-up call to adjust something. From there, you’ll calculate how many deals you can realistically do next year and whether that pace—stacked over three years—gets you within striking distance of your long-term target. This is why I loved this episode: it forces alignment between your goals, your resources, and your calendar.

After you listen, hit reply and tell me what clarity snapped into place for you. What long-term number did you land on? How did your one-year and three-year plans shift after walking through the framework? I would love to know what opened up for you in these 45 minutes.