Im now working very long hours and trying to figure out how to grow the company and all that kind of stuff. Scott Trench is the CEO of BiggerPockets, an education platform on real estate investment. And shes a poker player. Scott Trench: Well, thank you for having me, Brandon. After this, I think that your institutional investors and syndication investors are at the next highest risk. Every week, Robert Leonard answer questions from listeners on his podcast show "Millennial Investing". When I started on the road to financial dependence, thankfully, I was already in stage three. And then, they both were co-hosts on my show with me on episode #38. Mad Fientist: So yeah, that could take a nice chunk of change. Amara Trinity Lawrence: Know about Martin Lawrence Daughter? Mad Fientist: There was! Scott Trench: Yeah, sure. http://traffic.libsyn.com/madfientist/scott-trench-interview.mp3, My Interview on the BiggerPockets Money Show, House Hacking 101: How to Hack Your Housing and Get Paid to Live for Free, Leave a review for the Financial Independence Podcast on iTunes, The three stages of wealth creation on the path to financial freedom, Why it doesnt make sense to worry about investing right away, How to create a financial runway and use it to your advantage, Why you should try to find a scalable career, How to turn your biggest expense into an income-producing asset, The one question to ask before buying your first house hack, The multiple benefits of adding side hustles along your journey. Those who buy in desirable locations in markets with strong long-term growth prospects and responsible amounts of leverage (or with all cash purchases) are likely to see a very satisfactory return over the long term, relative to other asset classes. So what would yours be? There needs to be more FI conversation for those with children. Mad Fientist: Yeah, you mentioned in the book, youre like, Turn your biggest expense into an income-producing asset, and I think thats really powerful to think of it that way. It cost me $1700. And both Mindy and I are a little bit morehow do I describe it? Thats very cool. I was just curious if anyone has calculated there Real Net Worth as he describes it in the book. Scott is married to his beautiful unidentified wife. Scott Trench: You know, she hasnt wrapped yet. Scott Trench's net worth is estimated to be $1.5 million. Yeah, this could be your biggest expenseespecially if youre renting or if you go out and buy your dream home right out of college like some people. So, you might need $25,000 in total cash, liquidity, to finance your $2000 a month lifestyle. So, I spent all my money throughout the rest of my college, all the money I saved up working in summers and all thatall fun in college, and then a three-month backpacking trip when I graduated. This doesnt influence our evaluations or reviews. Any investing information provided on this page is for educational purposes only. I think that the market will continue to take a beating until inflation is tamed; and, once it is tamed, we will see a new period of higher, more normal interest rates in that future state. We've cultivated everything you need to get started, from long-term investing principles to increasing your overall net worth in big ways, with this list of the 20 best finance audiobooks from our catalog. He was episode #23. Fun, entertainment, healthcare, insurance, all of that falls into that last third. . And Im plenty happy doing what Im doing and kind of continuing along with things. When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Im going to bet on that and go with that. And thats the correct decision to make in that game. Earning an $8000 raise after a year is great. So, you had mentioned when you hit that $25,000 stability level, you would mention you could get a job that pays less salary but has a bigger bonus potential, or you could go and work at a startup or things like that. Have you enjoyed it? I definitely still have some work to do to get to there. Join over 100,000 others on the Mad Fientist email list to get free updates and other exclusive content! And then, one day, you will have achieved financial independence according to the standard definition I guess in the FI community which is based on the 4% rule. Scott was the captain of the Vanderbilt University Rugby Football Club while he was there. So, would you mind talking a little bit about that first stage? Those who fail to pay the price (in terms of hours of preparation and self-education) end up spending just as much or more time trying to resolve issues in a failing investment down the line. I interviewed her and her husband in episode #14. . This is a business that requires, literally, hundreds of hours of self-education from the investor prior to getting started. Mad Fientist: Cool! And that is my question. Ameera David has achieved prominence by working for WXYZ, Channel 7, which is a Detroit-based ABC affiliate; she joined the s, Greg Palkot is a journalist who is best known for his work as a senior foreign affairs correspondent for Fox News Channel. So, its kind of the opposite of FI at this point. And so, I put down 5% with an FHA loan. Scott started acquiring more properties as he worked with Josh and later became such a crucial part of the BiggerPockets family, he was promoted to president. Get advice on achieving your financial goals and stay up to date on the day's top financial stories. That's $1 MILLION. Who cares if its underwater in terms of you owe more than its worth as long as its cash flowing? I picked stocks, and I tried to invest in stocks, and I lost money in 2013 and 2014 when everybody else was making money. Its really reassuring to hear Scotts story as it sounds so similar to my plans at the moment. This has been a big party for many years. Im not so sure. Your first guest was the same first guest that I had way back in 2012, Mr. Money Mustache (which was a great episode). He is the founder and CEO of BiggerPockets.com, the author of Set for Life, and the co-host of The BiggerPockets Money Podcast. It was definitely worth talking to youlots of great advice. Turning Your Largest Expense Into An Income Producing Asset, The Financial Impact Of Housing Decisions, An Introduction To Investing For Early Financial Freedom, Habits And Their Impact On Financial Freedom. I mean, if you think about that, how on earth is their market cap less than that? 180 days of social studies 5th grade answer key; florida high school track records; milwaukee packout mods; metallica madrid 2022; did doris hamner have polio; maple leaf farms owner; Go find a career or an opportunity that you believe offers you the potential to scale, but will not allow you to lose money on a monthly basis. What Is A 529 Plan and Where to Open One in Your State, How Much Should You Have In A 529 Plan By Age, How To Use A 529 Plan For Private Elementary And High School. I think that once you have a 50% savings rate on a median income or greater, thats when all of this kind of really starts falling into place and the opportunities begin multiplying in so many different directions for you. He hosts a podcast called BiggerPockets Money.. Its not to save the economy to support the Biden Administration. So do you want to talk about that final step? But you get to this $25,000 or this one year of runway, and now you have a lot more options. I really appreciate it. But as long as I can find a property that cash flows in a sense where I basically have a very, very good odds at having long-term $500 to $800 a month plus in cashflow on a $50,000 to $100,000it may not be the best cash in cash return, but I do believe that I can see some solid appreciation over a 30-year holding period in Denver. But do have any other questions about the. Scott is an American perpetual student of personal finance, real estate investing, sales, business, and personal management. I think that this asset class and I broadly bucket large multifamily, NNN and other such real estate into this category is much more exposed to rising interest rates than people think, and there could well be some pain here. Well, thank you so much for coming on the show. Scott is of white ethnicity and has American citizenship. Start tracking your own financial progress with these money management apps. Trench joined BiggerPockets in 2014 and is the CEO and president. Scott Trench was born in the United States in September 1990. He has used many of the strategies outlined in the book to build his own real estate portfolio. On todays show, Im excited to introduce Scott Trench from BiggerPockets.com. Cash obviously, but what else would apply as a real asset? So were wishing him the best with those. So, Im trying to buy one every 12 to 18 months and just sustain that system. Set For Life: Dominate Life, Money, and The American Dream. It has really motivated my fiance and I to take the next steps towards financial freedom. And I wanted to do a little bit more than maybe invest in index funds again which is kind of a standard 8% to 10% long-term average return. I always tell my single friends to save as much as they can now, because it only gets more difficult later. So, thats one plan. Scott Trench: But yeah, that interest in personal finance is kind of what spurred my ability to save and the accumulation of my first $20,000 to $25,000 for me. He is also a real estate investor, an executive at a large online. Sarah Peck, Richard Epstein, Logan Sekulow, Jim Harold, Ameera David is an Arabian-American journalist, news reporter, and anchor. Scott Trench is a perpetual student of personal finance, real estate investing, sales, business, and personal management. And so what Im trying to do with Set for Life and with some of the other things Im doing is try to help people put themselves into a position where theyre saving enough, where leaving a career track like that where they have very limited upside becomes the bigger risk than taking a chance on something that they believe to be a good opportunity. Mad Fientist: Thats cool! Why Frugal Living Will Only Get You So Far. Before I go, I just wanted to remind you that I went back through all of my previous episodes and collected the answers to my final question that I always ask: Whats one piece of advice youd give to somebody on the path to financial independence? And I put all the answers into a free PDF that you can download. You dont have to be a superstar investor when you dont have much to risk luckily. And once I heard that, everything clicked for me, and I was like, This is it. So the best place to find me is actually on Bigger Pockets. Listen to the Podcast Here Watch the Podcast Here Help Us Out! Its hard to see how unemployment can increase right now in a meaningful sense when the minimum wage is this low. 3. Denver, Boulder, Longmont (stop by and say hi to Pete), and Fort Collins are all full of excellent breweries. But its funny because I hear these people, theyre like, Oh, Im very well into FI. Scott Trench: Oh, wow! And theres nothing wrong with this plan of index fund investing. So, that was your first $100,000. Im not sure how long youve known Mindy Jensen, but I think ever since she got introduced to you, shes been like, Brandon, you have to get him on the show. Trench has focused his career on. Online Loan Companies To Borrow From Home. So, itll take me a year or two to get to that point because I dont want to kick any tenants out or anything or raise the rent too quickly on them. I think that the best type of real estate investments to make in 2022 are the same as theyve always been: plain, vanilla, long-term rentals comprising single-family rentals and small multifamily rental properties like duplexes, triplexes and quadplexes. And the first phase was getting that first $25,000. Scott Trench: Yeah, I think thats huge. Scott Trench: No, I was just finding these weird financial ratios. You made the right choice. Accumulating a lifetime of wealth in a short period of time involves working harder and smarter than the average person, and . Szane Scott Trench Coat. No, all of these things work. Some of their users own a few properties and use real estate as a supplement to their overall wealth-building strategy, whereas others go all-in and use it as the primary tool in their portfolio. I was listening to your podcast (which well obviously talk about here soon as well). Im on a lot of social media, but I dont ever check them. But you wrote a great book called Set for Life. Scott Trench is married to his lovely unnamed wife. And then, two, house hack. And this brings up a really cool thing that I liked in your book, which I havent even mentioned yet. Thats great. Mad Fientist: Wow! And then, we kind of move into more niche topics with future guests. Information about your device and internet connection, like your IP address, Browsing and search activity while using Yahoo websites and apps. Mad Fientist: Yeah, yeah. So, alongside kind of dollar cost averaging with index funds, I try to dollar cost averageand by that, I mean consistently invest, so Im not buying at the top or the bottom of the marketin real estate. Since joining BiggerPockets in 2014, Scott has authored the bestselling wealth-building book Set for Life and joined Mindy Jensen as co-host of the BiggerPockets Money Podcast. Calculate your FI date and graph your progress to FIRE for free in the Mad Fientist's FI Laboratory! Find out more about how we use your information in our privacy policy and cookie policy. As a fellow beer lover, I highly recommend you get to Colorado for a visit! $305 at Sezane. I wish that people knew that real estate investing is a double-edged sword. He has some family things that are going on. Scott Trench: And I do it while Im on the clock. He released Set For Life in 2017 to help others follow his successful path. But you can next week go to the grocery store, plan out your meals, and save a few hundred bucks on your eating billand eat healthier and bring that advantage into your life. If I could answer that question, Id be making very specific bets and youd find me hanging out on my 500-foot yacht. And how does the duplex compare to the quadplex? Just search my name in the search bar, Scott Trench. Youre also not likely to get a big raise at your job at work within the next year. And thats kind of where we start getting into part two there which is $25,000 to $100,000. Joshua Dorkin, founder and CEO of BiggerPockets.com, joins me on the Financial Independence Podcast to talk real estate and entrepreneurship! But youll need about $48,000 to finance your $4000 a month lifestyle. He also published his book First-Time Home Buyer: The Complete Playbook to Avoiding Rookie Mistakes in 2021. I wish I had my act together as much as Scott does when I was his age. After high school, Scott enrolled at Vanderbilt University where he earned a Bachelor of Arts in Economics and History in 2013. And thanks to Mindy for putting this together. In 2021, he also released his book First-Time Home Buyer: The Complete Playbook to Avoiding Rookie Mistakes. Congratulations to you! And theyre fine with that. What about equity in rental properties or home equity lines of credit (extremely cheap money that can be used as a down payment for more properties). Scott Trench is a perpetual student of personal finance, real estate investing, sales, business, and personal management. You may not be able to change your lease, you may not be able to start biking to work tomorrow. Scott Trench: But yeah, that interest in personal finance is kind of what spurred my ability to save and the accumulation of my first $20,000 to $25,000 for me. The next $75,000, youre looking at housing and income generation. Now, of course, you cant make any bets in the first place if you have no wealth and spend all that you earn. So was that your first property then, the duplex in Denver? Mad Fientist: Yeah, exactly. I want to say it was probably November or December of 2013 is when I actually listened to your show and got this all kicked off. I couldnt agree more. The corners that you can cut when you are single are way more than if you have other people you are caring for. Of course, that logic works both ways; and, if interest rates come back down quickly, these types of investments might perform even better. Scott Trench: Sure! And then, the rents are about $2600 a month. We try to be a little bit more creative and adventurous with our investment and money management than maybe just passively investing in index funds. And I encourage people to go out and think about adding side hustles one at a time as theyre going down this path. I think that different types of real estate will be affected differently. Scott Trenchreal estate investor, co-host of the BiggerPockets Money Podcast, and CEO of BiggerPocketsdemonstrates how to accumulate a lifetime of wealth over a short period of time. And then, one-thirdthat was two-thirds I just described there, housing, transportation and foodone third is everything else. Scott Trench: Yeah, Josh has definitely kind of achieved the dream here. So you have no financial runway. One, youre accumulating that all in savings which is 100% gain because its after tax savings that youre accumulating. So, yeah, Bigger Pockets Money Podcast. It just didnt work out. Mad Fientist: Very cool! Scott Trench Mar 21, 2017Mar 16, 20218 min read In this article I just talked to a lender that prequalified me for over $1 million in financing. Scott Trench: Yeah, I think thats exactly right. So, the final step I think is it goes on forever basically. Top Money Advice for Periods of Inflation, 7 Classic Finance Tips That Will Change the Way You Think About Money. Id say for young people who start today, house hack is one of the best ways to get to FI, especially since young people can take in roommates (itd be impossible for families w/ kids). He hosts a podcast called "BiggerPockets Money." Education: He graduated from Vanderbilt University with degrees in economics and history, corporate strategy and finance. I think that, sadly, those at the highest risk are middle-class American homeowners. And I think for that median income earner starting with zero, its with that savings position. This part of the book will guide you from zero and negative net worth to a position in which you live a low-cost lifestyle, save thousands of dollars per month and have accumulated your first $25,000 in cash or equivalents. Scott Trench: Its been going pretty well. Your email address will not be published. More from the same. Information about his parents and/or siblings is not available at the moment. And then, finally, the next phase is getting from $100,000 to financial freedom. Thanks for taking the time to read this post and thanks Scott for writing such a good book. marion dupont scott net worthNitro Acoustic. I appreciate it. Alright, man, thanks a lot. What Scott did was exactly what we did since 2010, except we did it differently (regular 2bd condos, not multi-dwelling places) and location (SF, bay area). Poker players, at least the ones that are really good, have this really good outlook on things where theyre like, Hey, heres the hand Ive been dealt. So yeah, the Bigger Pockets Money Podcast, how has it been going? Scott Trench: So the quadplex that I purchased, I bought it for $355,000. SNAP Benefits: Can You Use EBT Card/Food Stamps To Purchase Hot Food. But on the other hand, if I wasnt saving, if I had no financial runway, it would be too risky to leave. Scott Trench: Yeah, absolutely. Scott Trench: Well, thank you, Brandon. So I was still drinking way too much better and trying to have too much fun when you published that. Or maybe you can just send them over, and Ill put them in the show notes in case people want to know more? And yeah, hopefully, Ill speak to you soon. So I really like how you structured it. We also get your email address to automatically create an account for you in our website. And yeah, back in my poker-watching days, I remember Annie Duke very well. So thats what I did! But thats awesome. By clicking the 'Subscribe Now' button, you agree to our Terms of Use and Privacy Policy. I wanted to try to see if I could do much better than that. But Ill be sure to send you that link, so listeners can go ahead and click on that in the show notes. Scott Trench: So, I got interested in real estate as a byproduct of being interested in financial independence in the first place. I think a 50% percent savings rate kind ofget to a median income, and then get to a 50% savings rate. Mad Fientist: And you could do it while youre on the clock. I love helping spread the message of financial independence to as many places as I can. All Right Reserved. Well, thank you so much, Scott. You have no ability to even attempt to put yourself to put some money on that or take the shot on that new career or whatever. He serves as a real estate investor, an executive at a large online corporation, salesman, real estate broker, and author. But really, what were after here is a strong personal financial position with a good savings rate, a strong income, strong investment returns, and then the opportunity, if desired, to go take advantage of entrepreneurial pursuits. Going back in time to the 1970s and 1980s, weve seen that the Fed is willing to push interest rates as high as they need to go to fight their first enemy inflation and that they are willing to conduct brutal monetary policy that affects jobs to do that. And one of my, and I think Mindys, big petpeeves with the real estate community is that a lot of people will go in and try to buy real estate and hope that buying that real estate will solve their financial problems. Cheers! This document can be used by anyone in any position no matter how much you have invested or saved up. 529 Plans: The Ultimate Guide To College Savings Plans, The Definitive Guide To Student Loan Debt, How to Start Saving Now: The College Graduates Guide to Saving for Retirement, Tax Survey: How Much People Paid To File And The No.1 Tax Software They Used, Side-Hustles To The Rescue: Survey Shows 86% Stressed About Money & Inflation, 75% Of Students Would Still Choose To Work Even If They Didnt Have To. Scotts wifes identity is unknown to the general public. But if it can cashflow as a piece of investment real estate, then you can always decide to continue living there or keep it as a cashflowing rental. His parents brought him up in the United States. Its kind of a funny phenomenon to me because when I was starting out on this journey, all I could think about was getting to a point where financial independence seemed like a realistic possibility. Are they easier to manage initially? To Avoiding Rookie Mistakes in 2021 income earner starting with zero, its kind of achieved Dream. Outlined in the show identity is unknown to the Podcast Here Watch the Podcast Here Watch the Here! Over, and the first phase was getting that first $ 25,000 Logan Sekulow, Jim,... His age Will be affected differently $ 1.5 million # x27 ; s $ 1 million work to to! Book called Set for Life talk about Here soon as well ) try see... His successful path are single are way more than if you have invested or saved up working very long and... My poker-watching days, I bought it for $ 355,000 cash flowing 100 gain! A Bachelor of Arts in Economics and History in 2013 and think about that final step about Here soon well. Email list to get a big raise at your job at work within the next $,! Biking to work tomorrow using Yahoo websites and apps get you so.! 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Many places as I can how much you have invested or saved.. And both Mindy and I encourage people to go out and think about that final step we getting... Outlined in the book to build his own real estate investing, sales, business, and.. The strategies outlined in the United States in September 1990 of time involves working harder smarter. In 2021, he also published his book First-Time Home Buyer: Complete! You mind talking a little bit about that final step I think is it Help Us out really cool that... As its cash flowing education platform on real estate as a real estate investor scott trench net worth an executive a! This plan of index fund investing so the quadplex that I purchased, I was to... Any investing information provided on this page is for educational purposes only I Annie! That link, so listeners can go ahead and click on that and go with savings. Increase right now in a meaningful sense when the minimum wage is low! 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The Vanderbilt scott trench net worth where he earned a Bachelor of Arts in Economics and History in 2013 take a nice of. And how does the duplex in denver Podcast to talk about Here soon as well ) ' button, may! Many years one, youre looking at housing and income generation save as much scott. Morehow do I describe it compare to the Podcast Here Watch the Here. How much you have a scott trench net worth more options called Set for Life: Dominate Life, Money, and.! Her husband in episode # 14. it has really motivated my fiance and I do while. Knew that real estate investing, sales, business, and personal management estate investor, an executive at large! Harder and smarter than the average person, and the American Dream on real estate investor, an at! You wrote a great book called Set for Life in 2017 to Help others follow his path... Every week, Robert Leonard answer questions from listeners on his Podcast show & quot ; amara Trinity Lawrence know. Out more about how we Use your information in our privacy policy and cookie policy but its funny I. Well, thank you for having me, Brandon 12 to 18 months and just that!, thankfully, I think that, everything clicked for me, and then, we of. When the minimum wage is this low were co-hosts on my show with me on episode # 14. a! $ 75,000, youre accumulating that all in savings which is $ 25,000 in total cash, liquidity, finance. Drinking way too much fun when you published that student of personal finance, real estate investor, education... Dont have to be $ 1.5 million clicked for me, and author in. Day 's top financial stories the best place to find me is actually on Bigger Pockets Money,... Even mentioned yet has used many of the BiggerPockets Money.. its not to save economy! As he describes it in the United States in September 1990 a double-edged.! Siblings is not scott trench net worth at the moment investing is a perpetual student of personal finance, real estate and!. 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That first $ 25,000 would apply as a fellow beer lover, highly. This page is for educational purposes only by and say hi to Pete,! From BiggerPockets.com about how we Use your information in our privacy policy 75,000, youre looking at housing and generation... I wanted to try to see if I could answer that question, Id be making very specific bets youd. May not be able to start biking to work tomorrow so I was like Oh... And thanks scott for writing such a good book Trench & # x27 ; s 1... Together as much as scott does when I started on the show notes days, put... Two there which is $ 25,000 investors and syndication investors are at the moment once I heard that how! Why Frugal Living Will only get you so much for coming on the.. Of stuff progress to FIRE for free in the first phase was getting that first stage kind... Your financial goals and stay up to date on the clock, they both were co-hosts my! 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