To follow up the @BiggerPockets .com podcast last week with Ben Kinney, I want to hear your thoughts about his investment strategy breakdown below. It reminds me a lot of the assets vs liabilities discussed in Rich Dad Poor Dad's Cashflow Quadrant Book. How does it apply to your situation and what vehicles are you investing in to mimic a similar scenario?

Ben Kinney's Stategy

20% - Extra Cash Reserves (Emergency Savings fund)
20% - For Buy and Hold Real Estate
20% - Financial instruments (retirement and 401ks, ways to defer taxes)
20% - Businesses to invest in that other people run (property management properties, becoming a hard money lender, stocks)
20% - Charity

Below is a graphic how I currently divide my personal income and assets. I am a 30 year old who currently owns 1 owner occupied investment in California and am looking to purchase buy and hold investments using refinancing in addition to the personal financing strategy below to further build wealth.

Feel free to share your own strategy and critic mine for the better. Thanks!

From my W2 income

Automatic deposit into a bank savings account for emergency savings funds for personal use. This account is not for emergency or capital expenses in real estate.

I currently house hack my only real estate investment so I pay my portion of "lost opportunity of renting the unit I occupy" back to my investment fund plus any extra money to make up 20% for future buy and hold real estate.

I currently only pay the max amount allowed for 401K IRA. No 401k roth.

I invest in the traditional stock market.

The amount I have to live on at the end of the day. I hope to give back more once systems are up and running later in my investment career.

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Personal Finance Strategies - Ben Kinney / the Cash Flow Quadrant

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