What would you do next?

[Brian Hamel]

Hi All,

I am 41, single, no kids and I just closed on my fourth property, a duplex that I am house hacking. I have two roommates as well. I work full time at right close to the six figure mark on top of my rentals. I know the strategies but I guess I am wondering why I am doing all this. I don’t really have a why. It’s a lot on my plate but I manage. Lots of stuff I enjoy about my 9-5 but I don’t know if I should leverage more or Dave Ramsey. After expenses I sit at $11,000 a month positive cash flow. That’s with two places that will be paid off Dec 2026, one Aug 2035 and last Oct 2051. So do I hammer out the $900k I owe and get debt free, retire and live below my means or refi first two and leverage more deals? I currently self manage everything and do my own repairs. What has made you happiest?