If I were starting over again, I would dedicate every waking moment to building a cash-flowing portfolio so that I could be financially independent from just that income stream.

You don't want to trigger an audit. 

Since most people are passionate about financial independence, I figure at least some of you may be interested in day trading!

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Just make sure it is an independent agent that has access to a number of carriers vs. a direct writer that only represents a single carrier. 

Based on taxes or an independent appraisal?

That does not mean AT ALL that I'm lying awake at night because I absolutely want to match the bragger.But if there's that much better to be achieved, it would only bring me closer to my goal of financial independence quicker.. 

The key is going to be what your intent was and how do you demonstrate that if you're ever audited. 

Hey I'm an investor in the KCMO - Kansas City MO, Independence MO markets and wanted to see what people are getting for Refi rates? 

Getting into real estate is definitely a great way to start building your financial independence through passive income.