This is a true story. And it’s time to face the truth.

If you haven’t read my previous articles on the math behind real estate, now is the time to do so:
The Price of Inaction: Here's What You’re Losing by Avoiding Real Estate Investment
The Math Behind Real Estate: How Doing Nothing Costs You Big (Part 1)
The Math Behind Real Estate: How Doing Nothing Costs You Big (Part 2)

In this third article, I want to face the truth: No one else can make you wealthy, transform your life, or unlock your potential. It all begins with you—and, more importantly, with the belief that you can. That's the first step.

If you don’t take that step, nothing will change. The life you imagine, the success you wish for—it’s all within your reach, but only if you choose to go after it.

At the end of the article, I'll show you how simple actions, like purchasing just three investment properties and holding them for 10 years, can transform your entire future.

It’s not as impossible as it seems!

I know many people say they don’t have the money. But here's the truth—that’s not the real issue. What’s stopping you isn’t money; it’s fear. You’re afraid to act because you don’t feel prepared, you’re unsure if you have the time, you don’t have a mentor, or maybe, you simply don’t trust others enough to take the leap.

We naturally trust those closest to us—family, friends. But think about it—are they really living the life you aspire to? And if we keep seeking advice from those who haven’t achieved the extraordinary, guess what? We stay right where we are—or even worse, end up stuck in the same place they are.

​You’ve heard the saying, "If you always do what you’ve always done, you’ll always get what you’ve always gotten." It’s familiar, isn’t it? We’ve all heard it. But how many of us actually follow that wisdom? Instead, most of us keep repeating the same patterns, waiting, hoping for something to miraculously change for the better while doing nothing differently. And when it doesn’t, that hope slowly fades.

If you’re saying, “But I don’t have money,” let me tell you the truth: Money is abundant. The reality is, if you don’t have money now, you can borrow it. If you own a house, you can refinance it and get a mortgage at a low interest rate. You can take out an equity line of credit or use credit lines—just as I’ve done. Or, you can educate yourself, become an expert in the field, and partner with others who have the money but lack the knowledge—just as I’ve done.

​The opportunities are endless if you truly want to change your life.

Most people pour all their energy into paying off their mortgages, thinking they’re freeing themselves from debt. But here's the truth: in doing so, they’re sitting on untapped potential. That money could be working for you, growing, multiplying through real estate investments, possibly turning into millions or maybe even transforming into something extraordinary—an achievement that most will never see in their lifetime. 

The truth is, there are countless opportunities that can lead to financial freedom. A freedom so many dream of but never dare to pursue.

You might believe you need a fortune to start investing, but that couldn’t be further from the truth—that’s a myth. I bought my first property with just $45,000—using credit cards. You can do the same. You can find partners, co-own your first investment property, just as I did. You don’t even have to dip into your savings or spend a single penny of your own.

You can refinance your primary property, or your partner can, just like I did. With more funds, you can acquire more properties. I've done it, and thousands of investors who work with my brokerage have done it too. You can grow your portfolio using borrowed money. When you take out a mortgage, use credit cards, or lines of credit, remember: that money isn’t yours, but it can generate returns far greater than any interest you’ll pay.

The path to wealth and freedom is there. It’s not out of reach. The only question is—will you take that first step?

Maybe you’re thinking, “I don’t know where to start.” But you don’t need to know everything—there are people who have already walked this path and built wealth through real estate. You just need to find them and learn from them.

It’s simple. When you want to buy a phone, you don’t hesitate. You see someone with one, ask them where they got it, and you go to that store, confident you’ll get it. When you want to buy a bike, you do your research and go to the store that sells it, without doubt that you’ll leave with a bike.

​So why, when it comes to wealth-building, do we hesitate? Why don’t we apply the same logic? Find a mentor. Seek out people who have succeeded. Find reliable teams who are eager to share their expertise or even manage things for you. You don’t have to know everything to start. There are teams that can handle the heavy lifting—they’re just not shouting it from the rooftops because they’re busy doing the work. Yes, it’s entirely possible—your real estate investment could be almost hands-free.

​This information is out there. The opportunity is always waiting. You just need to take that first step.