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Early retirement was a goal for today’s guest, Antoinette Munroe, the moment she started making money. Her money journey started in second grade when she sold her Halloween candy for extra cash. By high school, she graduated to selling a wide variety of different things and even started her own distribution network with her cousins at their respective schools. By the time she got to college, her main focus was staying out of trouble, avoiding debt and saving. It wasn’t until her last semester of grad school that she had to take out loans. After graduation, her priorities shifted, and she got a job to pay off her debt. Starting with her first check at her new job, she laid out her budget ABCs. Her ABCs follow a simple principle; automation, balance, and consistency. And after two years, she paid off her $27,000 debt! In 2015 she decided to start looking for a home, and by the end of 2015, she purchased one. She did a complete rehab on the house while also adding an addition in hopes of getting rid of her expenses to achieve her ultimate goal of not having to work. She put the finished addition on Airbnb, and it now cash flows and pays her expenses. After she realizing the power of real estate investing to build net worth and generate wealth, she did this three more times and now owns four cash-flowing properties. She is now retired and lives the free life of leisure she always envisioned for herself. ~~~~ Join the BiggerPockets Money Facebook Group: / bpmoney ~~~~ Grab Scott’s Book “Set for Life”: https://store.biggerpockets.com/produ... ~~~~ Connect with Antoinette on BiggerPockets: https://www.biggerpockets.com/users/a... ~~~~ Paying Off Debt (& Avoiding Debt Relapse): https://www.biggerpockets.com/blog/bi... ~~~~ 9 Ways to Save Money You Have Probably Never Tried: https://www.biggerpockets.com/blog/wa... ~~~~ 12 Sneaky Habits That Kill Your Budget in the Night: https://www.biggerpockets.com/blog/sn... ~~~~ Follow Antoinette on Social Media: Instagram: @fearlessandfreefi or / fearlessandfreefi Tiktok: @fearlessandfreefi or / fearlessandfreefi Facebook: @fearlessandfreefi or / fearlessandfreefi ~~~~ Want to Be a Guest on the BiggerPockets Money Show? Apply Here: Guests: https://www.biggerpockets.com/guest?u... Finance Friday: https://www.biggerpockets.com/finance... ~~~~ Connect with Scott and Mindy on BiggerPockets: Scott: https://www.biggerpockets.com/users/s... Mindy: https://www.biggerpockets.com/users/m... Episode 295 Show notes at: https://www.biggerpockets.com/blog/mo... 00:00 Intro 03:20 The Beginning of Her Money Journey 09:54 Paying Off College Debt 14:48 Quitting Her Job & Buying Her First Property 23:05 Using Airbnb to Generate Passive Income 26:28 Buying Her 2nd and 3rd Property 32:11 Her Journey as a Real Estate Investor 40:34 Her Retired Day to Day Life 44:52 Her Next Steps 47:00 Famous Four