Are You Stealing From Future You?

Even smart investors sabotage their retirement this way.

So you’re doing the right things.

• You’ve stopped spending every dollar you earn.

• You’re investing.

• You’re growing wealth.

But there’s one trap that even smart investors fall into.

• You invest wisely.

• The investment produces returns.

• And then…

You spend those returns on lifestyle.

• An upgraded car.

• A vacation you "deserve."

• A little taste of what retirement might feel like—now.

And in doing that, you rob your future self.

Because those returns?

• They were supposed to compound.

• They were supposed to grow more returns.

• That’s how this game is really won.

Here’s where real estate helps you stay on track: A portion of the returns are baked in automatically.

• Tenants pay down your mortgage whether you reinvest or not.

• Appreciation compounds without you lifting a finger.

Yes, you still have choices—like whether to spend the cash flow or depreciation benefits or reinvest it.

But even if you just let the asset sit there, it’s doing work for you.

Unlike a dividend you might spend at my favorite burrito place, Qdoba… a property can quietly snowball in the background.

That’s a massive advantage for catch-up investors.

You don’t need to be perfect.

You just need to stop sabotaging your future self.

Let the compounding do its job.

Love,

James Orr
The Real Estate Financial Planner™

P.S. If you're behind on retirement, don’t just invest—reinvest. And real estate makes that process a little more automatic. Learn more here:
https://refp.substack.com/p/secrets-of-retirement-catch-up