.- for example, although SPY lost 28% their value in 202, but as total return, my portfolio is flat because my dividend income is offsetting the market gain losses.- what I am trying to say is that, if you are a "professional fund manager", you could create your set of portfolio that could beat the market , in this situation , the 401k is even less important.

A 30-year fixed rate offers peace of mind knowing your payments won’t change over time.The longer you hold the property, the more value you'll gain from the lower interest rate, so it’s ideal for a buy-and-hold strategy.3.

Plus reducing capital gains 

I also listen to broadcasts and I am really impressed by Brian Burke and Andrew Cushmen that stop buying in the last three years and sell most of the property to realize gain before collapse.

Most of them have appreciated by over 35% in the last four years, providing us with solid equity gains.

You do this to not gain anonymity solely, but for liability.

Yes Grayson,Cashflow is hard to come by now.You shouldn't be looking at real estate to get rich tomorrow or gain massive amounts of capital now.But as you own the property for years the rents will increase, the asset price will rise, and your loan balance will go down.

In some cases, gross income can include recurring capital gains or unrealized income, winnings from a day of gambling, rental income, and sometimes even interest earned on retirement accounts.

., capital gains).

In five years I purchased 33 rentals and 135 storage units, thanks to the education I gained for free on BiggerPockets.