Retirement Accounts: Certain retirement accounts, like a 401(k) in the USA or an RRSP in Canada, allow for borrowing or withdrawing funds for home purchases.

This year, I'll make closer to $175,000 thanks to some opportunities for overtime, but they're not consistent or guaranteed so I don't want to consider that as regular income.I am very fortunate to have an excellent pension that will allow me to retire as early as 39 years old ($58k/yr) with it growing exponentially every year ($400k/yr at age 65 - which I do not intend to work until).

I bank on the equity build that I can pull from when I retire from my W2 job. 

Conversely, those nearing retirement, could consider the possibility of properties that can provide solid cash flow if they do not already have rentals that are paid off at that point.To all of my clients reading this....I hope that I havent stepped on toes.  

Tomorrow, a gentleman is going to speak on using retirement funds to buy real estate. 

I was set to retire in my 30s doing what you’re doing but made a dumb mistake that cost me everything (don’t ask.

We have a retirement goal to live in Tennessee, and we're considering and researching selling our current long-term rental property and acquire a STR through a 1031 Exchange (avoid capital gains here in NY when we sell the property).  

I came out of my retirement and found an excellent job with great people.

Say someone has $20,000 cash and its just sitting there, and cant be used for retirement accounts because they are maxed, and the person has no debt.

I listen to plenty of podcasts from the others....and they seem legit as well, if you apply the knowledge.Here's the list of gurus I have:Brad Sumrok- Rat Race 2 Retirement...expensive, but I personally know lots of success stories.