Real Wealth Show: Real Estate Investing Podcast Building Financial Independence Through Real Estate Investing with The FI Couple
Nov 13, 2025
In this chat, Josh and Allie Lupo, known as The FI Couple, share their journey to financial independence through real estate. Josh, a savvy investor, and Allie, a former social worker, discuss paying off nearly $110K in debt and their flexible approach to house hacking. They reveal how parenthood shifted their financial priorities and redefined their goals. With practical strategies for exploring seller financing and staying within holiday budgets, they inspire listeners to embrace intentional money habits while navigating the evolving real estate market.
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House Hacking Fueled Debt Payoff
- Josh and Allie house hacked to cut rent from $1,200 to $400 and later to zero, using owner-occupant loans with low down payments.
- They paid off nearly $110,000 of consumer debt in about 2.5–3 years by channeling the gap between income and low expenses to debt payoff.
Parenthood Reframes Value Of Convenience
- Parenthood humbled their investing purism and made convenience and time-savings more valuable than strict frugality.
- They intentionally trade some frugality for quality-of-life improvements when the finances allow.
FI Is Personal And Evolves With Life
- Financial independence (FI) means different things to different people and should begin with the end in mind.
- Parenthood shifted their FI goal from pure coverage by rentals to balancing income, portfolio growth, and quality of life.
