We DINKs believe in rental real estate as a means to build wealth. We currently own one rental studio in DC that James bought back in 2003 and we run it as a small business. We contemplate from time to time how to make the most of this asset.

The DC real estate boom allowed provided us the opportunuity to buy and flip a three unit town house with a great deal of sweat equity put into the place.

Eventually we’d like to own more properties, including real estate for retirement.

Some of the things that we’ve learned through our adventures in rental real estate have been: determining profitability and managing rental property, never pay in full until the work is done, poor credit leads to not paying the rent,

We heavily considered buying a place in Portland recently. We did a great deal of looking at the market in the end it didn’t pan out with the market but it was still worth the process of sorting things out. When it came down to it the decision was made when coming real estate versus student loans, the student loans won out.

Some of our family has also engaged in property management, including James’ grandparents and his moms and aunt & uncle.

Of course there is a great deal of literature out there about extreme examples of this, such as how to turn $1k into 3 Million. While obviously with the market as it is at the moment, the times have changes, but real estate will always hold its place as an investment, but for us the bottom line is that it just must be done wisely.

You can check out our book reviews for a whole list of books on this subject.

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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