Should I continue expanding my real estate portfolio? by mahmoud

You have reached an important and enviable stage in your financial journey. The question is no longer just about accumulation, but about optimization: how to best use your resources to maximize life satisfaction. This is a common turning point for successful investors. This calculator is designed to help you quantify the financial trade-offs of your decision. By projecting your financial situation under two different scenarios (expanding your real estate portfolio versus prioritizing life experiences now) it can help you understand the long term impact of each choice on your goal of financial independence.

Current Investable Assets

$

Current Monthly Rental Cash Flow

$

Future Rental Cash Flow (Paid Off)

$

Desired Monthly Retirement Income

$

Your Current Age

Target Retirement Age

Years Until Retirement

19

Here, we model the core of your question. Define the amount you are considering for either a down payment on a new property or for life experiences. Then, estimate the potential returns for each path. The pros and cons of owning rentals include tax benefits and appreciation, but also illiquidity and management effort.

Capital for Down Payment / Experiences

$

New Property Monthly Cash Flow

$

Annual Investment Growth Rate

%

Safe Withdrawal Rate (SWR)

%

Projected Monthly Income (Expand)

$0

Projected Monthly Income (Current)

$0

Extra Monthly Income

$0

This view was inspired by:

🏠 🎯 Should I continue expanding my real estate portfolio or prioritize life experiences?

For further related reading, check out:

📊 Retirement Effects

Baseline FI Progress

0%

Expand FI Progress

0%

% More Retirement Income

0%

Last updated 8 days ago by mahmoud (v25.8.0)

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Disclaimer: This content and any calculations provided are for informational purposes only. The views, calculations, and methodologies expressed are those of the author and do not necessarily reflect those of this platform. Not financial advice. Users are solely responsible for any decisions made based on this information.