Simple.The alternative method, obviously, is the de-reversed compound sum method. 

The mediocre mind is incapable of understanding the man who refuses to bow blindly to conventional prejudices and chooses instead to express his opinions courageously and honestly.”

The compounding effort will pay off!

Right now, in NY, there is a dearth of good applicants due to the time of year as well as the compounding effect of everyone "sheltering in place" because of COVID. 

I worked out some deed restrictions for the trees to provide a nice buffer between my lots and theirs but then they starting hammering we had to many lots ( even though we were within the code)  planning commission bowed to the public cut my lots by 20% my seller would not lower price and we walked  I LOST 80k on that one ( all the engineering i had to do up front)Seller was a well known doctor in town he was not happy what the neighbors did and since the property was in the county and this is Oregon..

The same compounding effect that happens when you save your money happens when you borrow for income producing assets.When I say "smart leverage", I'm talking about enough cash flow that you can pay yourself and support the asset, that you've left enough behind in the deal to cover large depreciation issues (20% or more), and that the asset produces enough cash flow that you'll virtually never be forced to sell in a down market. 

Since you will be investing it on your 401K paycheck to paycheck you will buying out S&P 500 periodically and it will compound fast alongwith company match.  

@Franky Aikens The slight edge The compound effect Never split the difference Brandon Turners books..David and Goliath - Malcolm Gladwell (also, has other great books)Money Master the game - Tony Robbins (focussed on index vs mutual funds)

Cash flow (and all profits for that matter) is to be recycled back into the business until it grows and compounds enough to cover all of your expenses with reasonable margin.

If you compound 3% higher return on all investments over a 30 year period, we are talking a lot of money.