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1 contribution to Dion Talk Financial Freedom
FIRE Journey
Hello, Currently on year 9 of real estate investing. Scaled to around 53 doors in 3 different markets OK, CA, and AL. Started house hacking in Bay Area, CA then transitioned out of state to apartments in OK and new construction in Huntsville as I wanted more cash flow. I bought most of my rentals during the sellers market of 2020-2022 and have slowed down significantly during the higher interest rates. At this point, I am transitioning into chill/harvester mode aka want to sell my lower performing or more headache rentals and use that money to pay off my primary residence and to build an ADU cash in CA. Still work a full time W-2 and rebuilding up my cash reserves. Net worth is about 20% stocks and 80% real estate. After selling some rentals, will likely be closer to 40% stocks and 60% real estate. I hope to retire in about 5 years and this is my tentative retirement portfolio - paid off primary residence in CA, 10k/month cash flow from real estate, 10k/month from 4% rule, 200k in cash reserves. Curious to hear your thoughts
2 likes • 12d
@Dion Talk Financial Freedom probably to live assuming future kids is 10 to 12k per month. 20k per month is to have fat fire and would make me feel comfortable retiring in early 40s
0 likes • 12d
@Joshua Gossett Very accurate back of the napkin math. Likely selling my 20 unit apartment in OK, Duplex in SF (market has been hot with AI IPO), and waiting for my 2nd lien note on an asset I sold 3 years again. That should hopefully be enough to pay off the primary and fund the ADU which I anticipate will cost 350k for a 3bed/2bath 1000 sq ft. If I need to sell another rental to pay off other rentals, I will do it. Worst case I am ok working longer. I will run some more scenarios
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Steven Nguyen
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@steven-nguyen-3304
Full time pharmacist & Real Estate Investor (53 units w/o partners) SFH - CA & AL Small Apartments - OK Soon to be real estate broker

Active 10h ago
Joined Nov 2, 2026
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