This is the toughest part of the holiday season: NO ONE IS REALLY WORKING. Except the United States with 130 aircraft mission to take Maduro. Insane! So... here are some updates. We're close to the end-zone here. B2R, Let's go! Juan-

It's About Passive Income. A 401(k) is a bucket. Passive income is a faucet. Buckets eventually empty. Faucets keep flowing. Most people are taught: "Save more. Invest more. Hope it lasts." But real retirement freedom looks like: - Income that shows up without clocking in - Cash flow that covers basic living expenses - Savings that become a buffer, not a lifeline That's the difference between surviving retirement and controlling it. 401(k)s are great. Pensions are great, Social Security helps, but passive income is what keeps you independent. Examples of Real Passive (or Semi-Passive) Income: - Rental cash flow - Dividends - Royalties - Digital products - Licensing - Small automated businesses When your income pays your bills, your savings get to rest. ⚔️ Credit Avenger CTA: If you had to build one passive income stream before retiring, which would you choose? Drop it in the comments: "My retirement income would come from ______." Let's stop chasing bigger buckets and start building faucets.

Hey B2R family--> it’s been a few months, so I wanted to share a transparent update. Long post🤷‍♀️ The last quarter was a different kind of grind. Progress didn’t always look flashy, but the work never stopped. Quick highlights: - Continued building relationships with potential lenders - Strengthened my backup bench of subs (because Juan was right — always have contingencies) - Kept learning and revisiting Juan’s recordings to sharpen my understanding of materials, scope, and the actual build process On the lot side: The initial survey completed before closing was missing critical details around easements and setbacks (lesson learned). It took another month, multiple follow-ups, and Juan stepping in to apply pressure before we got a corrected survey. Three days before Thanksgiving, we finally sent it to the architect. Since then, we realized the lot layout (wider vs. narrow) may require plan modifications — possibly new plans altogether. No biggie, just potentially more cost. With the holidays, delays were expected… but yes, still waiting. While waiting, I stayed in motion. No stone unturned on lending options, team-building, and preparation. If I’m honest, if it weren’t for B2R, I probably would have thrown in the towel. This group has been the reminder to pause, recalibrate, and keep going. On the ops side: What was a long term rental is now transitioning to Airbnb or mid-term rental, so it’s been deep cleaning, minor repairs, marketing, and tenant vetting. Getting to the 1st permit may test patience, but adaptability builds portfolios 😉 If anyone: - Is looking for an Airbnb in a modern retreat area, or - Needs a 30–90 day unfurnished mid-term rental with all utilities included, Feel free to reach out. Or, reach out just to laugh, vent about funding and permits, or talk through your Q1 2026 build goals. 2025 didn’t deliver my second duplex, but 2026 will. My theme this year: overthinking the positives — because I’m certain I’m winning.

I'm so grateful for all of you. What you did in 2025 is setting you up for 2026 and I'm proud of you for taking action! - 2026 is going to be a Banner Year in Real Estate... don't sleep on it - Crush bad habits YOU KNOW you need to CRUSH... find an accountability buddy - Stay consistent. Small steps. Get in a routine. - Don't compromise your goals for short-term enjoyment... people are depending on you The Hercules Hold!!! World Breaker! (not sure if it was this dude) but one of the guys said, "I just envisioned me holding on to my children as if I had to SAVE THEM OFF A CLIFF!" Whatever it takes for you to get into that mental frame... do it. Success is on the other side! B2R Crew, Juan-

Bring your smiling faces! I have a scheduling conflict so I had to adjust this meeting to 30 min earlier. I hope it's not too much of an inconvenience. I'll be giving out some free stuff for you guys. Seinfeld... a show about nothing... and I still would watch again. Build 2 Rent... a show about learning to build wealth, one duplex at a time. Talk soon! B2R, Juan-