Your situation is unique and presents an exciting opportunity for your retirement planning.Given your aim to maximize your monthly income to supplement your CalSTRS retirement fund, and your desire to continue investing in properties post-retirement, here are a few suggestions:Assess Your Risk Tolerance: Transitioning from California properties to Indiana duplexes involves a shift in market dynamics and possibly different risk profiles.

This way, you can have passive income coming in from multiple properties regardless of where you are living at the time.Ultimately, the best strategy for you will depend on your long-term goals, risk tolerance, and level of involvement you want in managing the properties.

Naturally, everybody has their own plan, risk tolerance and strategy, but what is your general attitude towards paying down debt faster and why?

I am willing to learn as much as possible so please suggest materials and conferencesThank you Just a word of advice, if you ask for advice to be honest most people are gonna try to sell you on their market and ultimately their service or course, you need to figure generally the direction you want to go, your risk tolerance, the area, the trade offs between appreciation and cash flow, understand, it’s going to be hard to get much if any cash flow in this market, brrring & flipping are close to dead with the exception of a few areas in dc and a few rural markets, even there it’s difficult, come up With a basic plan than go into a conversation with whoever you work with and at least understand the right questions to ask, the best comparison I can make is my mom always makes me go to the mechanic with her, even though I can’t actually fix the car, I can at least talk the same language as the mechanic.

It depends on how much cash you have and your tolerance for doing work.

It's essential to strike a balance that aligns with your financial goals, risk tolerance, and market conditions.

This is coming on the November Ballot --> "Justice for Renters Act" Can't say, as a native Californian and investor that I'm too excited about this one..It will all depend on your goals and risk tolerances.

The Springfield Real Estate Investor's Association (I'm a member) is a great group of people (a mix of highly experienced and newly interested, but all above-board and ethical--the leadership doesn't tolerate shenanigans) and many in there are invested in Branson STRs (many also have STRs in Springfield, which of course caters to an entirely different market, but their perspective has been interesting).

The rational thing to do is to compare the risk and risk premium and make a decision to self-insure or not based on my risk tolerance, it's an obligation of rationality.

Each strategy listed above requires different experience, risk tolerance, network/connections, project management and initial capital investment.