Cardio 3x per week, Heavy weights 2x per week2) Manage diet and stick to it.3) supplementation (daily vitamin, turmeric, D-aspartic, etc)4) Schedule tasks that give a good sense of accomplishment5) Take time to be grateful for opportunities and lessons learned

Here's a very realistic scenario for you:  You are in your 30s, and decide to buy your first rental property to supplement your retirement. 

Despite it all, the Island is making efforts to fix some of the problems: http://www.wsj.com/articles/puerto-rico-aims-to-solve-its-affordable-housing-crisis-1452027904 Lots of investors are looking towards the island.

We've owned a few homes that we've lived in and are looking to supplement our long term income with rental properties.

You can use amortization calculators to figure out how much extra you should pay each month to effectively make it a 15 year instead.Once your desired # of units are there and you don't need to set aside dollars for more properties (or recycle your initial investments), pay down can get you to the free-and-clear ideal that you are aiming for based on your question.

Top Ten articles like this are aimed at people who are jealous that they missed out on the gentrification in other cities and are scrambling to get in on some, somewhere, anywhere.  

@Kerry Baird, sorry should have looked at your profile 1st, lol, AIM HIGH AIR FORCE!

As far as looking for a job to supplement your income now .....well you can find those anywhere. 

Using turnkey rentals for passive income could be a great way to supplement income while you're working on your flips.

They're close to retiring now, and are strongly considering scaling down their business and jumping into real estate as a retirement "job"/income supplement.