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It just seems like it would be easier and faster to make investments to create, say, $5,000 cash flow per month at retirement than to try to save $millions so said investments can be drawn upon and eventually depleted. Isn't the whole point to be creating cash flow, and ways to do so?

I dunno. Just thinking out loud. It's my intention to have my rental units provide free housing for me in the years to come, and I don't hear other people talking about it much. Plus I'm starting a fledgling business of my own that I want to figure out how to grow over the years.

I know the real estate vs. stocks issue is a long-standing investment topic, and I'm doing both. But I guess I'd rather figure out more ways to be making money than figure out how to be a more draconian saver.

Funny you mention this...

DH and I decided to get back into the rental property "business" (some things have changed making it a more enticing & viable option for us).

We've scaled back our company sponsors plans to 10% contributions and are putting the rest into down payment savings. We plan on buying a 4 plex every 2 years for the next 10 years (5 bldgs).

We've calculated that the cash flow - WITH mortgages - will provide us with a solid base for income. The rest will come from retirement savings, and in the differences as the mortgages are paid down.

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