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in Money Mindset | Mental Health · December 22, 2020

My 2021 Goals- A New Approach

I don’t have to tell you why setting goals are key to success. You’ve probably read this millions of times already and there are really good books out there about goal setting. I will say that due to my tendency to obsess over goals (or anything), I had to change the way I set goals in order to spare myself from despair. Despite what most people think, I don’t have a sophisticated system to track or set my goals.

For years, I used to write down all these daily, monthly and annual goals. I lived to check the box. You can say it was great for productivity and keeping me busy. Good old times.

However, because I am no longer embracing the being busy, productive and overachiever, I’ve been a bit more lax. Some would even say chaotic.

I still do mini-lists and check these off especially when doing bigger projects, but I am way more flexible. I have to for the sake of sanity.

For my 2021 goals, what I’ve decided to do is write up a short vision narrative that essentially outlines my goals for the year.

In 2021, I am more calm. I focus on myself and I work less. I eliminate anything that does not serve me or make me happy anymore.

My day-to-day looks like this…I wake up each day to morning yoga, stretches and/or meditation. I eat breakfast, go outside, breath the fresh air out in my backyard, write in my journal. I then start my 9-5 job duties, remain focused and killing it because I am awesome. I am confident and I am energized. During lunch breaks I may or may not go on a jog or practice jump rope. I workout and eat healthy on a consistent basis. I stop working by 7PM everyday and I do not work on weekends. I spend more time with our dogs and continue to work on home improvement projects and improving my cooking.

I do not beat myself up for things I cannot control. I make mistakes, learn and move-on. I like to go on hikesand enjoy nature. I consistently evaluate whether I am being true to myself and make changes as needed.

I may spend more time writing for my blog, but I won’t hold myself to it. I want to explore photography, jump rope tricks, shuffling, and sewing.

I will care less about what people think and more of what I want. I will attempt to do more silly things. Maybe even get on TikTok.

I will remain focused on our financial plan to semi-retire in 7 years and will continue to budget and evaluate my finances on a consistent basis. I will pay off my student loans and I will be free of any debt. It will be great! Our expenses continue to be really low and our income continues to increase allowing us to keep our savings rate high.

We will sell most of our Florida properties and buy more investments in Georgia. We will diversify our portfolio with Index Funds and will max out our 401k contributions.

We will travel to Hawaii for my 30th birthday and I will have the time of my life. We will continue exploring Georgia and surrounding states on a monthly basis and maybe become skilled hikers.

I will look for new activities where I can interact with other humans in Georgia.

My family will take a new priority and I will do my best to keep in touch with them and be more present. Ryan and I will work on ironing out any kinks because yes, we are not perfect.

We will continue to try to conceive a baby, but I will not beat myself for it. It will happen eventually.

I will allow for bad days and moody days. I will cry when needed and not beat myself for it because I am human and I am vulnerable and that’s okay.

I will give my best everyday understanding that my best today is not the same as my best tomorrow or the day before.

There is that! I am sure that by the end of the year I will probably complain about how I could have done better, but I just need to come back to this post and check the following boxes

✅ Am I healthy?

✅ Am I alive?

If yes, then I have to remember that there is time to make it happen.

I also like to create a narrative that summarizes everything that I accomplished each year. I think it’s also really powerful because sometimes we take all the little things we did for granted. My 2020 summary is coming up soon and it was quite an eventful year!

Anyways, the old me would have a fit about how I set goals these days, but the old me also burnt out so there is that. You must do what works for YOU. I am still figuring it out myself.

Another way I like to keep it interesting is doing mini challenges. I like to challenge myself to do something align with one of my overall goals. It helps me get a sense of accomplishment keeping me motivated.

How do you set your goals? What has or hasn’t worked for you previously?

This post may contain affiliate links. I may get commissions for purchases made through links in this blog.

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New Blog Post 🚨 In this week’s blog post I am New Blog Post 🚨 In this week’s blog post I am going over why we bought a short-term rental, our experience so far. Plus what we did prior, during and after purchasing our first short-term rental in March 2022, a Cabin in Blue Ridge, GA.

Check it out at www.beyondjustnumbers.com or link in bio @beyondjustnumbers
I can’t stress this enough. Some investors are l I can’t stress this enough. Some investors are looking to make money from day one, but that’s not always the case. It wasn’t for us and I’ve talked to a lot of rookie investors who have told me “Thank God I have my personal finance situation together.” 

This is just my opinion. Do you agree? Let me know in the comments!

Want to join a free community of like-minded individuals? Join our REI Coffee Chat Community where we talk real estate investing, personal finance and financial freedom, and much more! Link in bio @beyondjustnumbers

Want to learn more about investing in real estate? Read my blog www.beyondjustnumbers.com

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I used to think that investing in real estate was I used to think that investing in real estate was for the rich. I became in love with real estate while working for a real estate investment company that owned hundreds of units. This was back in 2011 and I was 20 years old at the time. I had less than 5 years permanently living the US, so I had no idea about anything. I grew up in Colombia and the only talk of money we ever had was the lack of it. 

The investors I worked for were a wealthy family, so naturally, I thought… Real Estate requires wealth. I don’t have wealth. Therefore, I cannot invest. 

I figured… well shit, I need become wealthy so I can invest in real estate. Eventually, after educating myself I realized how wrong I had it. You can build wealth BY INVESTING in real estate.

Took me a couple of years to figure it all out. Hence, why I didn’t start investing until 2019. I wish I had figured out earlier, but it is what it is. In just 3 years of investing in real estate, I was able to accumulate more wealth than I ever thought possible. 

Just to give you an idea…Did you know you could invest in real estate with as little at 3.5% of the purchase price? For a $150,000, that’s only $5,750. Buy a duplex that needs a little bit of work, fix it up, rent one side and live in the other. This will reduce your monthly expenses significantly, save the money and do it all over again.*

Of course it’s not that simple, but it’s also not that difficult. There are some particular steps and considerations which is  why I recommend doing further reading on the subject. 

Book Recommendation:
✅“The House Hacking Strategy” by Craig Curelop and ✅“Investing in Real Estate with No (and Low) Money Down” by Brandon Turner. 

#realestate #realestateinvesting
🚨 New Blog Post! Continuing the “Getting Star 🚨 New Blog Post! Continuing the “Getting Started in Real Estate Series” 

You’ve found a property either on your own or through a realtor, you’ve run your numbers, you’ve got a lender and now you are ready to make an offer. What’s next?

In this post I want to discuss a few items:

✅Key components of a real estate contract
✅How do you make a compelling offer to ensure you get the property you want
✅The main contract contingencies and how they work
✅Communicating with your realtor

I also provide real examples of what we have done personally. 

Check it out at www.beyondjustnumbers.com

Let me know what you think!
If I listed all of the hats, I’d never end 😂. If I listed all of the hats, I’d never end 😂. Anyone else? Show me the multiple hats you wear and tag me. Let’s have fun with some reels.

Trying to get good at the real game like @investinginyourwealth. How did I do?
The fact that you are not where you want to be doe The fact that you are not where you want to be doesn’t mean you won’t get there. Greatness takes time. Focus on what you control.

And remember, it’s okay to pivot.

#mindset #realestate #firemovement #realestateinvesting #realestateinvestor #rentalpropertyinvestor #rentalproperty #cashflow #motivation #financialfreedom #financialindependence #financialindependenceretireearly
We see a lot of advice around hiring a real estate We see a lot of advice around hiring a real estate friendly CPA. However, when you look up  CPAs that specialize in real estate, they can be pricey.  However, that doesn’t mean that other CPAs or tax professionals aren’t good. They might not be particularly aware of certain items, but they can research and collaborate with theirs peers. Perhaps it may require you to do a little of work to compensate. Things you can do:
✅ listen to The Real Estate CPA podcast or join the Facebook group
✅follow social media accounts of the pricey Real Estate CPA and take notes of what they are saying
✅attend free educational events 
✅read BiggerPocket book on Real Estate taxes 
✅if you know anyone working with a really good Real Estate CPA firm, ask them what they are doing

Then use that to go your CPA or tax professional and be like “Hey, is this something we can do for me?” They’ll probably say, “Let me look into it”. 

If they are good, they are going to research it and/or ask their CPA peer group. (CPAs and tax preparers also have Facebook groups where they collaborate with each other).

Here is a piece of advice, if they tell you “No, we can’t use this loophole or no, you don’t qualify to use this strategy” —> Ask WHY and “How can I qualify in the future?.” This way you confirm they did their homework and aren’t just being lazy. Don’t just take no for an answer. You can then get a second opinion by asking a question in a forum or to your peers.

So don’t panic if you don’t have a real estate CPA or tax professional. 

Next video I’ll be answering the question… “Can I skip the tax professional altogether and do my own taxes?”

#realestate
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