Timanga Investment Club
402 posts

Timanga Investment Club
@TimangaInvest
Investment Club | Investment Academy | We study money then we make it work | Book a free consultation/class to learn how to invest..or you’ll be broke forever😂


Investing is really something, what do you mean something I paid $398 for just under a year ago is now worth $800?? It’s really a cheat code. 👏🏽👏🏽👏🏽



BYD can't even see their competition in the rear view mirror anymore.


“Don’t have kids until you are financially stable” if our parents went by this rule most of us wouldn’t exist.



I bought a property in 2017 to Airbnb it. Purchase price: $315,000 Down payment: ~$63,000 Goal: Passive income, baby! Today, I sold it for $377,750. 🥳 BUT let's compare that to the return if I put that $$$ into the S&P 500. For the first 6 years, I made about a 4% cash-on-cash return. Not bad…Until it wasn’t. The last 2 years? ZERO profit. I broke even after repairs, maintenance, and all the joy of being a landlord. So, 8 years later: 💰 Cashflow returns: ~$17,000 🏠 Appreciation: $62,750 🏦 Mortgage paid down: $40,173 🧾 Tax benefits: ~$12,500 📉 Selling & ownership costs: -$116,736 👉 Net profit: $11,390 (Yes, really.) Now let’s say I just put that same $63,000 into the S&P 500 in 2017 and went on with my life… - No leaky toilets. - No surprise HOA roof repairs. - No property managers messaging you at 1AM about parties. Result? 👉 $108,037 in profit Let’s recap: 🏠 Rental ROI: 18% total over 8 years 📈 S&P 500 ROI: 171% total over 8 years That’s a 10x difference. The hidden truth? Owning property can build wealth… But ✅ It is NOT liquid - I had to cover costs for a year while it was listed on the market ✅ Saturation - The market got flooded in Austin with AirBnBs which reduced my returns greatly ✅ Hassles - Even with property managers you will always have issues. ✅ IRR - Compare the returns to OTHER investment opportunities Otherwise, you're working way harder for less return. If I could go back? I'd Index and Chill. Let the S&P 500 do its thing while I focus on business and life. As @Ramit says real estate "can" be great—just don’t let the hype make you think it’s passive or guaranteed to outperform. You really have to understand the full costs and hassles!






If you’re not saving money from every paycheck what are you doing










