Heather Houle

Digital Marketer; Shopping Annuity Specialist; Tips for saving $; I teach how to save $ and make $! I'm also a huge sports fan so a mix of work and play

[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Rob Schneider 🇺🇸 @RobSchneider]

A HUMAN BEING👇‼️🇺🇸👀

[Coach, JV @Coachjv_]

I used to disagree with Grant Cardone when he said, “Rent where you live. Own where people rent.”

Now I finally understand what he meant.

I went from losing everything in 2020 and living on my parents’ couch to becoming a multi millionaire investor and entrepreneur. That didn’t happen because I made more money. It happened because I completely rewired how I think about wealth.

Recently I made a decision that challenged everything I had been taught about real estate.

For decades we were told your primary residence is your greatest investment.

Maybe that was true when money was cheap, interest rates were low, and wages kept pace with housing.

Today’s economy is different.

Here’s the concept.

I was looking at buying a home in my dream neighborhood.

Rough numbers:
• $2M home
• $300,000 down
• $11,000-$12,000/month payment

Instead, I found a comparable home to rent for about $6,500/month.

At first it felt wrong.

Then I asked a different question…

What if the $300,000 down payment kept working for me instead of sitting in home equity?

What if the $5,000+ monthly payment difference also went into productive assets?

I openly share that I invest heavily in crypto, dividend stocks, and cash-flow-producing businesses.

If those investments performed well during a future bull cycle (nothing is guaranteed), they could potentially create substantially more wealth than locking that capital into my primary residence during the same period.

Let’s say, purely as a hypothetical example, that those investments grew to around $1.5M before taxes.

Instead of having roughly my original equity tied up in a house while paying years of mostly interest, I could potentially walk into the same home with a much larger down payment or even buy it outright depending on market conditions.

The point isn’t the numbers.

The point is patience.

Every dollar is either consuming your future or building your future.

I don’t make financial decisions based on dopamine anymore.

I ask:
• Is this an asset or a liability?
• Will this create more freedom?
• Is this money working for me?
• Can I let my assets buy my lifestyle instead of my labor?

This isn’t our grandparents’ economy.

Cheap money is gone.

The middle class cannot keep playing yesterday’s game with tomorrow’s economy.

I’m not against owning a primary residence.

I’m against buying one before my assets can help pay for it.

That mindset shift changed my life.

From broke to entrepreneur to investor and now
Wealth builder.

And, God willing, I’ll continue building wealth by being a good steward of what GOD has entrusted to me.

Think differently.

Your greatest investment isn’t your house.

It’s your ability to allocate capital wisely.

Love you all.

[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

Just saw you @GrantCardone on @JesseBWatters !!! Great job! Great exposure 🏆

[New England Patriots @Patriots]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

@Joedwiz Done

[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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[Heather Houle @HeatherHoule]

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