Rich Habits Podcast

Q&A: Land Contracts, Cashing Out Retirement for Bitcoin, & $500K in QQQI

17 snips
Jun 19, 2025
In a lively Q&A session, the hosts tackle listener questions on personal finance and investment strategies. They dive into the nitty-gritty of rent-to-own structures and owner financing in real estate. Smart retirement moves take center stage, highlighting the pros and cons of backdoor Roth IRAs and Bitcoin investments. Couples are given practical advice on financial plans, emphasizing the importance of diversification. The discussion also touches on strategies for balanced investing, particularly for those nearing retirement.
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ADVICE

Seller Financing Basics

  • Use a real estate lawyer to draft a land contract for seller financing and rent-to-own deals.
  • Include clear terms, responsibilities, and default mechanisms to protect yourself and the buyer.
ADVICE

Balloon Payment Explained

  • Arrange for the buyer to make a balloon payment by refinancing into a traditional mortgage after the contract period.
  • Check for possible early buyout clauses if interest rates drop significantly.
ADVICE

Real Estate Investment Platforms

  • Arrived offers fractional ownership in specific single real estate deals.
  • Fundrise acts like a robo-advisor deploying your investment across diverse real estate automatically.
  • Yieldstreet suits sophisticated investors seeking private real estate and alternative asset yields.
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