Ramsey Everyday Millionaires Should We Use Retirement Money to Buy Real Estate?
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Jan 21, 2026 Discover the ins and outs of rolling a 401(k) into an IRA and the potential for real estate investments within a self-directed account. Learn how carefully managing a rental property can either be a lucrative opportunity or a daunting challenge. The hosts discuss the balance of effort versus returns in real estate compared to mutual funds, and offer strategies on how to wisely allocate funds. Plus, get insights on how to exit the real estate investment if it doesn't fit your lifestyle.
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Move The 401(k) Into An IRA
- Roll the 401(k) into an IRA to gain control and investment options.
- At minimum, meet a SmartVestor Pro and pick mutual funds inside an IRA tax-free.
Keep IRA Real Estate Funds Ring-Fenced
- Use a self-directed IRA only if you follow strict rules and keep funds separate.
- Do not commingle rental income or expenses with personal accounts to avoid taxes and penalties.
Real Estate Is Far From Passive
- Real estate requires active management and more time than mutual funds.
- Mutual funds let you 'set and forget' while rentals demand monthly attention and oversight.