Real estate investing isn't what it used to be but it's still one of the best vehicles for the average person to gain wealth and financial independence.

I'm a Kansas City area native, am currently going through a RichDad financial literacy coaching program, and I've settled on real estate as my vehicle to wealth.

I'm making passive money AND not losing value in my vehicle.

That discussion is in the appendix and not in the main part of the book precisely because of the problem they pose.

Brian-The answer is it is an addiitonal diversification vehicle in conjunction to your other investment categories.

If it is to high than refinancing into a shorter term vehicle 10yr, 15yr, 20yr might make more sense.

It comes with a very busy lifestyle which includes a fair dose of business travel.She is interested in partnering with me on deals in the foreseeable future but the elephant in the room is that she is over-geared in terms of personal debt, credit card debt to be precise.

If you make that much money, you need vehicles that will help reduce your tax bill.

In fact, we were damn near debt free in 2013, but thought it was a good idea to buy 2 new vehicles.  

Let us get some basics out of the way.An IRA - Traditional or Roth - Most common vehicle for retirement investments.Traditional IRARothTax deferral - Traditional IRA grows tax deferred - pay income tax as you take out distributions.