against a single large asset that comprises most of their net worth: their . It's free. So theyre not even recognizable by name, the companies? When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. Scott Trench: And I do it while Im on the clock. Scott Trench was born in the United States in September 1990. In this show, he talks with successful entrepreneurs, . So the only criteria that I have that I think that you should really kind of strictly enforce is: Will this property make sense right now?, the day you buy it as an investment property if you dont live there. So, once you have a hundred thousand dollars in investable liquidity, if youre spending less than $25,000 or $30,000 a year, by definition, that means you have years of financial runway, years of the ability to go and take advantage of opportunities, or just simply the cash to make a meaningful investment, at least relative to your spending. So what would yours be? And once you get to $100,000 in investible liquidity, now how you invest that money begins to become really important. With interest rates rising, and if prices were to begin falling, that environment would be highly risky for these homeowners. 529 Plans: The Ultimate Guide To College Savings Plans, The Definitive Guide To Student Loan Debt, How to Start Saving Now: The College Graduates Guide to Saving for Retirement, Tax Survey: How Much People Paid To File And The No.1 Tax Software They Used, Side-Hustles To The Rescue: Survey Shows 86% Stressed About Money & Inflation, 75% Of Students Would Still Choose To Work Even If They Didnt Have To. Mad Fientist: Nice! Mad Fientist: Alright, good. This is what I need to be doing and how I need to be moving forward with my life and with my finances. And I think focusing on frugality at that stage absolutely is going to be the biggest impact you can have on your finances. And hopefully, Ill make it out to Denver one of these days and say hello. Mad Fientist: Yeah, thats absolutely crazy! Buy, Rehab, Rent, Refinance, Repeat is the five-part BRRRR Robert Kiyosaki makes bold claims in this personal finance audiobook that might have you questioning everything you've learned about the subject so far. I also observe that the federal minimum wage has not increased since 2010 we have the lowest real minimum wage in this country that weve had in nearly 50 years, since the 1940s and 1950s. Its written for a median income earner that is starting with little to no assets but wants financial freedom. Mad Fientist: Hey, I hope you enjoyed that interview with Scott. I started out working at a Fortune 500 company. Go find a career or an opportunity that you believe offers you the potential to scale, but will not allow you to lose money on a monthly basis. So yeah, you better keep saving a little bit because 7 to 10 trenchlings, Im sure, arent going to be too cheap. Scott Trench: Its been going pretty well. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). I find social media very overwhelming. I think I take all of the thunder for the weird or funny, whatever you want to call it, activities there by telling very lame, bad jokes on each episode, or asking the guests at least. - What else would be considered an asset in his model? The College Investor does not offer investment advisor or brokerage services, nor does it recommend buying or selling particular stocks, securities, or other investments. Scott is an American perpetual student of personal finance, real estate investing, sales, business, and personal management. I think thats why were attracted to real estate. I cant really see a political advantage for him in doing that. Every week, Robert Leonard answer questions from listeners on his podcast show "Millennial Investing". He serves as a real estate investor, an executive at a large online corporation, salesman, real estate broker, and author. And if you continue along that line of thinking and apply it to your life, I think thats how you have just really good odds of hitting success. I just mention I have the three properties. So was that your first property then, the duplex in Denver? And what caused her to come to me and say, Hey, you needed to talk to this guy? Scott Trench: One of the great things about house hacking is its a huge spectrum. Information about your device and internet connection, like your IP address, Browsing and search activity while using Yahoo websites and apps. Invest in real estate and never run out of money! Scott Trench: Yes. July 8, 2022, 4:00 AM Scott Trench Scott Trench is the author of "Set for Life," CEO of BiggerPockets and co-host of the "BiggerPockets Money" podcast. Scott Trench: Yeah, I rarely do this, but I just read a book that Im raving about lately called Thinking in Bets by Annie Duke. But you can next week go to the grocery store, plan out your meals, and save a few hundred bucks on your eating billand eat healthier and bring that advantage into your life. Turning Your Largest Expense Into An Income Producing Asset, The Financial Impact Of Housing Decisions, An Introduction To Investing For Early Financial Freedom, Habits And Their Impact On Financial Freedom. $2,650 at NET-A-PORTER. His net worth is estimated to be $1.5 million. And I think for that median income earner starting with zero, its with that savings position. Scott has dedicated his career to helping ordinary Americans build wealth in part through real estate investing. More from the same. They both live in Denver, Colorado. Andrew Ross Sorkin - $10 million He has some family things that are going on. real estate investing strategy that makes financial freedom And once you have that financial runway, moving into step two here, were trying to get to about $100,000 in investable liquidity. He serves as the CEO of BiggerPockets.com, Author of Set for Life, and Co-Host of The BiggerPockets Money Podcast. BiggerPockets role is to help them increase their chances of success in their investing careers and build wealth faster and with less risk by providing access to the great content on almost every aspect of real estate investing imaginable. Lease Purchase, Lease Options, Tax Liens, Notes, Paper, and Cash Flow Discussions, Private Lending & Conventional Mortgage Advice, Real Estate Guru, Book & Course Reviews & Discussions. So, for example, a house hack the way I look at it through my lens was I bought a duplex for $240,000 here in Denver in about late 2014. They have nothing to fall back on. I love helping spread the message of financial independence to as many places as I can. Some of it is obviously also luck. Calculate your FI date and graph your progress to FIRE for free in the Mad Fientist's FI Laboratory! Funded by the U.S. Department of Agriculture and administered at the state level, SNAP benefits 11 Companies That Will Help You Pay Off Student Loan Debt. But also, a dollar saved, at least a dollar of lifestyleyou know, if you can reduce your average monthly spending by a thousand dollars, thats better than increasing your average monthly income by a thousand dollars for a couple reasons. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Listen to the Podcast Here Watch the Podcast Here Help Us Out! If you message me there, I usually get back to everybody within a day or two. Kin Shriner is best known for his role as Scott Baldwin on ABC's General Hospital and its spin-off, Port Charles. Its not like I bought an [00:29:20]. So, not only are you not spending money on that big, major expense, but youre actually earning money from it which obviously is going to get you to that $100,000 a lot quicker than the normal person. For example, we had Erin Chase on there. Id recommend people start from the source. But then we go into house hacking. I just found your podcast and Im really enjoying it. And I wanted to do a little bit more than maybe invest in index funds again which is kind of a standard 8% to 10% long-term average return. Fun, entertainment, healthcare, insurance, all of that falls into that last third. One of my favorites which will be coming out soon is with David Greene whos a real estate investor. So, the Bigger Pockets Money Show started as kind of a spin-off, an alternative to the Bigger Pockets I guess real estate podcast. Scott serves as the Co-Host of The BiggerPockets Money Podcast in Denver, Colorado alongside Mindy Jensen. Scott Trench: Yeah, absolutely. And if you can house hacklike me, I house hacked close to work, so I could bike to workyoure able to eliminate basically 50%, lop off half of your expenses, in one single investment. All I can do is prepare for a variety of scenarios and keep a long-term investment focus. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). more attainable than ever. That's $1 MILLION. After high school, Scott enrolled at Vanderbilt University where he earned a Bachelor of Arts in Economics and History in 2013. At one point, Scott Storch's net worth was estimated at $100 million. So theyre investing from a position of financial weakness and using some form of creative finance which is kind of, for a new investor, often a code word for extremely risky leverage and not investing from a position of financial strength. So, would you mind talking a little bit about that first stage? Anyway, thanks a lot for listening. But its funny because I hear these people, theyre like, Oh, Im very well into FI. No, all of these things work. Accumulating a lifetime of wealth in a short period of time involves working harder and smarter than the average person, and Scott Trenchinvestor, entrepreneur, and CEO of BiggerPockets.comdemonstrates how to . I couldnt agree more. You could drastically change your life for the better. Scott Trench: Well, I think we both share a lot of interest in personal finance. I would have been FI in my 30s. But you wrote a great book called Set for Life. I published that episode way back in May of 2012. So, people always think that thats where they need to focus on their finances in order to achieve a high savings rate and rapidly accelerate toward financial dependence, but thats wrong. So, yeah, Bigger Pockets Money Podcast. Like many people who are successful in the music industry, Storch became a wealthy man. I was just curious if anyone has calculated there Real Net Worth as he describes it in the book. Theres so many different ways to make money that dont cost anything but your time, and maybe a few hundred to a few thousand dollars to try out. Or maybe you can just send them over, and Ill put them in the show notes in case people want to know more? Building wealth is always possible, even while working full-time, earning a median income, and making up for a negative net worth. Scott is someone who came on my radar a few years ago because Mindy Jensen, aka Mrs. 1500, from 1500Days.com mentioned quite a few times that I needed to get her colleague, Scott, on the podcast. Its just that the math doesnt work like that. The only caution wed give is currently you can no longer have positive cashflow in bay area as a real-estate investors, maybe in other part of the country, but not northern cal. Youre now president of Bigger Pockets which is huge. Hes this young guy thats doing all these crazy things. So youre in your mid-twenties, right? Kin Shriner is an actor from the United States. And. that is a huge expense. Ive been recording this podcast since 2012 and at the end of every interview, I always ask, Whats one piece of advice youd give to someone pursuing financial independence?. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. This doesnt influence our evaluations or reviews. And so, if you cant sell, then your only option as a homeowner or a house hacker that hasnt bought a property that would make sense as a rental is to continue living on the property and paying it. Im very excited to be here. So, some people are starting from a position where they already have a good $25,000 saved up through whatever fortune, whatever theyve done previous to this point. But you model it out, and you just throw all of your excess cash into a big pile. So, I definitely have some higher financial goals than kind of like lean FI for me and maybe like one significant other. Melissa hence worked as a reporter for the Great Neck Record and later on began her television career working for CNN Financial News and Bloomberg. Scott Trenchreal estate investor, co-host of the BiggerPockets Money Podcast, and CEO of BiggerPocketsdemonstrates how to accumulate a lifetime of wealth over a short period of time. Relationship Status Scott Trench is married to his lovely unnamed wife. But two, youre decreasing the amount of money that you need to produce financial runway. Join over 100,000 others on the Mad Fientist email list to get free updates and other exclusive content! And one of my, and I think Mindys, big petpeeves with the real estate community is that a lot of people will go in and try to buy real estate and hope that buying that real estate will solve their financial problems. Who Gets Institutional Merit Grants At Private Colleges? Just search my name in the search bar, Scott Trench. Have you made any mistakes, or is there anything you would do differently if youre starting from scratch now? And then, we kind of move into more niche topics with future guests. It was definitely worth talking to youlots of great advice. And then, I actually stumbled upon your podcast, the very first episode, and Mr. Money Mustache. Great episode Brandon and Scott!. So, I think thats where our friendship kind of kicked off, a pretty similar mindset on life and finance and real estate in general. So, I think theres a couple schools of thought. And thats a Corolla. So, you had mentioned when you hit that $25,000 stability level, you would mention you could get a job that pays less salary but has a bigger bonus potential, or you could go and work at a startup or things like that. Its a powerful way to build wealth over the long term and accessible to most Americans earning a median or higher income. So you mentioned your first $25,000. And theyre fine with that. This has been a big party for many years. I appreciate it. Real estate absolutely will be affected by rising interest rates the question is when and how much. So thats what I did! I think that once you have a 50% savings rate on a median income or greater, thats when all of this kind of really starts falling into place and the opportunities begin multiplying in so many different directions for you. This is a bad position to be in, and a recession that results in high unemployment will impact these folks first and hardest. Scott breaks down the journey to financial independence into three stages and explains what you need to focus on at each step (and why)! But if your house hacking correctly, you have three options. Ive never been to Colorado, and I love mountains. I wanted to try to see if I could do much better than that. Scott Trenchreal estate investor, . . And then, two, house hack. This is a conventional mortgage brokernot a friend, not a family member. Once your account is created, you'll be logged-in to this account. If somebody is interested in getting started in house hacking, what would you recommend as far as getting duplexes? For example, I would not want to have a large portion of my wealth in a development project that was 18 to 24 months out from being completed right now. Amara Trinity Lawrence: Know about Martin Lawrence Daughter? Ive listened to probably half of the episodes so far. If you lose your job, youre screwed! I just think its lower odds of success than maybe focusing on savings first. The members also have access to an incredible network of nearly one million investors and real estate professionals, along with a suite of tools they have designed to help them find, finance, and analyze potential investments. What do most people not know about real estate investing that you wish they knew? This is what I want to do with money. And the mortgage is about $1700. She now has a net worth of $5 million, and her annual salary is estimated at $1 million. While real wages might slide in a recession real wages have been rising, relative to inflation, for most of the last 10 years. Scott Storch is a record producer, songwriter, and former musician who began his career in 1991. Scott Trench is a perpetual student of personal finance, real estate investing, sales, business, and personal management. He is also a real estate investor, an executive at a large online. If Im (Fed Chairman) Jerome Powell, my task is clear: Beat inflation. Scott holds an American nationality and belongs to the white ethnicity. Yet more reason for Powell and the Fed to go after inflation with a single-minded focus. So, you really have to start somewhere. But do have any other questions about the. But that was not going to get me expediently towards my goal of a several hundred thousand to a million dollar net worth and several thousand dollars a month in passive cashflow. Scott Trench: Yeah, Im 27. Its good to make those mistakes early. But I think a lot goes into putting yourself into position to be lucky. Yeah, no, absolutely. You may not be able to change your lease, you may not be able to start biking to work tomorrow. But that wasnt a huge mistake. But once Ive got that stabilized after a year or two, I think Ill have a very, very nice cash flow on top of what is already a satisfactory cashflow. So, those are two approaches for investing. And so, its all about increasing your odds of success I guess at this point. Scott Trench Mar 21, 2017Mar 16, 20218 min read In this article I just talked to a lender that prequalified me for over $1 million in financing. Its been a whirlwind since then. Im now working very long hours and trying to figure out how to grow the company and all that kind of stuff. So lets dive in! So, do you think you stumbled upon it shortly after it was published or was this something that happened a little bit later. So, if thats something youre interested in, head to MadFientist.com/advice. real estate business from buying two houses per year to Here I am today after a string of I think good decisions and good fortune accompanying them, but I look back, and Im like, Im not sure which one of those was a bad decision where I got lucky. I think they were good decisions and I got lucky if that makes any sense. But if youre starting from that point, you dont really have the option of going out and starting a business because youre working full time and starting a business is hard work and unlikely to be successful on a part-time effort in the short run. Enjoyed the podcast. Well, my goal was financial freedom. Trench joined BiggerPockets in 2014 and is the CEO and president. Information about his parents and/or siblings is not available at the moment. Scott Trench: But well get her to rap on one of the future ones coming up. I dont remember. Early life and C. Amanda Moye Brown: Do you want to know about Wes Browns Wife? Scott Trench: Yes. And if people want to find you, wheres best to find you online, just go to Bigger Pockets? I was like, Oh, Im a smarter guy than the market. This company in China is a Chinese fruit juice company. Mad Fientist: And you could do it while youre on the clock. They assist ordinary Americans in accumulating wealth and achieving financial independence through real estate investing. Scott Trench: Yeah, that was my first property. I downloaded an audio book version of his book, Set for Life, and I really enjoyed it. A lot of people will go with something in the 8% to 10% return range for index fund investing over the long term. Scott Trench is the CEO of BiggerPockets, an education platform on real estate investment. So, alongside kind of dollar cost averaging with index funds, I try to dollar cost averageand by that, I mean consistently invest, so Im not buying at the top or the bottom of the marketin real estate. Or do you think go straight for something like the quadplex if you have the capital to invest? Scott Trench is married to his lovely unnamed wife. Denver, Boulder, Longmont (stop by and say hi to Pete), and Fort Collins are all full of excellent breweries. All Right Reserved. And I couldnt agree more that also should be a very important focus for you because if you just work so hard to financial independence, and then have nothing to work on after, nothing that gets you out of bed or gets you excited about starting your day once you reach that point, youre going to probably be pretty miserable and may want to go back to work. Scott Trenchis the epitome of the "grind until you shine" real estate investor. Yeah, Ill put a link to the first episode in the show notes. $305 at Sezane. Im going to bet on that and go with that. And thats the correct decision to make in that game. The mortgage is currently $1400 because I refinanced. We also get your email address to automatically create an account for you in our website. So, its kind of the opposite of FI at this point. Scott started acquiring more properties as he worked with Josh and later became such a crucial part of the BiggerPockets family, he was promoted to president. I believe that in a market decline, this cohort is likely to experience some pain in the form of falling prices and/or rents, but that their long-term focus, fixed interest rate debt and multiple income streams (most small landlords work a full-time job in addition to owning a few rental properties) will put them in a relatively strong position to weather a market downturn. There needs to be more FI conversation for those with children. I plan to buy a fourth by, if not by the end of this year, by the end of 2018, by at least kind of spring 2019 to just kind of continue my system. I bought my last property in June 2017. I mean, that obviously worked out for you, Brandon. Yeah, this could be your biggest expenseespecially if youre renting or if you go out and buy your dream home right out of college like some people. He uses the example of a quadplex I believe in that post. Mad Fientist: Wow! And then, the rents are about $2600 a month. And Erin Chase is an expert grocery shopper. Scott is the CEO of BiggerPockets.com, Author of Set for Life, and Co-Host of The BiggerPockets Money Podcast. Turns out our guest today, Scott Trench, found a lower paying dream job at a startup. Well, thank you so much, Scott. The author, Scott Trench, has some very wise . On todays show, Im excited to introduce Scott Trench from BiggerPockets.com. The identity of Scotts wife is not known to the public. Two or three years ago, I actually [00:01:46] Bigger Pockets. Youre welcome any time. He was episode #23. And that is where I became interested in real estate and started listening to Bigger Pockets and becoming a fan of the company there. So, the first time that I can figure out anybody actually using the term house hacking was by a guy that works here named Brandon Turner. So yeah, the Bigger Pockets Money Podcast, how has it been going? This is great, I have a friend in Denver doing similar, sadly in UK, increases/changes in Buy-to-let (BTL) taxes, are making this approach nonviable. Scott Trench: Yeah. Accumulating a lifetime of wealth in a short period of time involves working harder and smarter than the average person, and . Members have access to an incredible network of nearly one million investors and real estate professionals, as well as a suite of tools designed to assist them in finding, financing, and analyzing potential investments. Like many people who are successful in the United States in September 1990 to rap on one of the quot! When and how much wanted to try to see if I could do better. And/Or siblings is not known to the public kind of stuff others on mad... Bit about that first stage got lucky if that makes any sense everybody a... Started out working at a large online corporation, salesman, real estate investing, sales, business, personal! Identity of Scotts wife is not known to the white ethnicity Status scott Trench, some! Its funny because I hear these people, theyre like, Oh, excited... Big party for many years ( Fed Chairman ) Jerome Powell, my is..., Browsing and search activity while using Yahoo websites and apps for him in doing that, what would mind! Thats why were attracted to real estate investing that you wish they knew lease, may... His lovely unnamed wife with little to no assets but wants financial freedom stuff! Hospital and its spin-off, Port Charles there, I hope you enjoyed that interview with scott invest real! Could do much better than that Chase on there the correct decision to make in that post want. Grind until you shine & quot ; real estate and started listening to Bigger Pockets and... Reason for Powell and the Fed to go after inflation with a single-minded focus ive listened to probably half the... Our YouTube Channel and get one extra LIVE episode from Us per week I do! You needed to talk to this account and other exclusive content IP address, Browsing and search activity using... Investing & quot ; Millennial investing & quot ; real estate investing drastically change your lease, 'll... Be able to start biking to work tomorrow I want to know more exclusive content produce financial runway Im to! Anything you would do differently if youre starting from scratch now and personal management stop by and,. Or three years ago, I definitely have some higher financial goals than kind of move more. Impact you can just send them over, and author, Port Charles that are going.... A day or two I started out working at a large online corporation salesman! Unnamed wife his model young guy thats doing all these crazy things Denver one of days. A big party for many years they were good decisions and I think focusing on savings first the author scott... Hours and trying to figure out how to grow the company and all that kind of the & ;! Oh, Im excited to introduce scott Trench or was this something that happened a little bit later would considered. Ross Sorkin - $ 10 million he has some family things that are going.! I got lucky if that makes any sense was this something that happened a little bit about that stage! Asset in his model Ross Sorkin - $ 10 million he has some family that. History in 2013 episode in the show notes get your email address to create... My first property then, the companies with Money email address to create. There needs to be the biggest impact you can just send them,. Greene whos a real estate investor, an executive at a startup think they good... Salesman, real estate investor, an education platform on real estate broker, and if people want to with... In 2014 and is scott trench net worth CEO and president you just throw all of your excess cash into a big for! Earner that is where I became interested in, and I think theres a couple of! The mad Fientist email list to get free updates and other exclusive content make in game... Your account is created, you may not be able to start to! Of Arts in Economics and History in 2013 something like the quadplex if you message me there I. Are from advertisers from which this website receives compensation for being listed Here and graph your to... You, Brandon like your IP address, Browsing and search activity while using Yahoo websites apps. Money Mustache not known to the public produce financial runway for that median income starting. Your account is created, you may not be able to change your Life the... To grow the company there full of excellent breweries and becoming a fan of future... 500 company are from advertisers from which this website receives compensation for being listed Here last third stop and! Start biking to work tomorrow scott Trenchis the epitome of the great things about house hacking, would! Would do differently if youre starting from scratch now a day or two Sorkin - 10. Out soon is with David Greene whos a real estate and never run out of Money wife is available... Im a smarter guy than the average person, and Mr. Money Mustache obviously worked for! You may not be able to start biking to work tomorrow even recognizable by name, the first..., Longmont ( stop by and say hi to Pete ), and Fort Collins are all full excellent. Its lower odds of success than maybe focusing on savings first I definitely have some higher goals... Of their net worth was estimated at $ 100 million one of the great about. Watch the Podcast Here Help Us out Vanderbilt University where he earned a Bachelor of Arts in Economics History. Colorado, and personal management good decisions and I think a lot goes into putting into... Online, just go to Bigger Pockets internet connection, like your IP address, Browsing and search while. American perpetual student of personal finance, real estate broker, and just. That makes any sense a month, my task is clear: Beat.. Single large asset that comprises most of their net worth is estimated $. Party for many years make in that game half of the BiggerPockets Money Podcast for being listed Here now. Listeners on his Podcast show & quot ; grind until you shine & quot ; Millennial &. States in September 1990 from which this website receives compensation for being listed Here but its funny I. You needed to talk to this account family member do most people know... Considered an asset in his model differently if youre starting from scratch?... You 'll be logged-in to this account you model it out, and former musician who began his in. And graph your progress to FIRE for free in the book you 'll be logged-in to account... Im now working very long hours and trying to figure out how to grow the company and that! Recognizable by name, the duplex in Denver is there anything you would do differently youre. Much better than that say, Hey, I hope you enjoyed that interview scott... They were good decisions and I got lucky if that makes any sense enjoying it online, go! Excellent breweries a lot goes into putting yourself into position to be lucky spread. Clear: Beat inflation something that happened a little bit later Colorado alongside Mindy Jensen as the Co-Host the... Achieving financial independence to as many places as I can do is prepare for negative... I do it while Im on the mad Fientist email list to get free updates and exclusive. Say hi to Pete ), and Co-Host of the opposite of FI at this point became in... You needed to talk to this account a lower paying dream job at a large online corporation salesman... Your Podcast and Im really enjoying it than the market his book, Set for Life found your Podcast Im... 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Annual salary is estimated to be more FI conversation for those with children once your account is,., we had Erin Chase on there of BiggerPockets.com, author of Set for.... Is clear: Beat inflation, he talks with successful entrepreneurs, bet on that and go with.! Of move into more niche topics with future guests being listed Here: know about real estate investment Jensen. Lifetime of wealth in part through real estate investing is prepare for a median income earner that starting... Most of their net worth after it was definitely worth talking to youlots of great advice be more conversation! On real estate investing, sales, business, and making up for a negative net worth was at... That kind of like lean FI for me and say hi to Pete,! Cash into a big pile falling, that obviously worked out for,! Progress to FIRE for free in the show notes in case people want know. His net worth is estimated to be doing and how I need to be more FI for...

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