REAPS Members Free 
Guests: FREE to this meeting

  Registration Link - Please Click Here 

Start Small & Compound to Big Money!

Here is how to do it!!

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Angelique Tinney

& Other REAPS members that come in support!

It's in the Process and the Strategy - things you can learn!

We will show you things you have never seen - that you need to know! 

We talk about George Antone a lot at REAPS, he is a financial guru like none others we have meet. 

He wrote Hacking the The Financial Matrix, The Wealthy Code, The Banker's Code, and The Debt Millionaire. 

Come join us to learn the Money Machine concept he has created, that is good for anyone the makes and average income to retire in 6 to 7 years!  Come get a preview of his plan.  You don’t have to be a genius, just grasp the plan he lays out, and follow the steps to get ahead.

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Smart and Powerful Passive Income Investing

Join us at the Downtown Renton Library  

About Angelique Tinney 

Angelique Tinney serves as the President and Executive Director of the Real Estate Association of Puget Sound (REAPS), the largest Real Estate Investors Association (REIA) in Washington State. With a strong professional background as a commercial and residential real estate appraiser and a licensed agent, she brings deep industry knowledge to her leadership role. At REAPS, she oversees the organization's operations, coordinates monthly meetings, and curates educational content for real estate investors. Her work supports a broad community of professionals, from beginners to seasoned investors, by offering training, mentorship, and valuable market insights.

In addition to managing REAPS, Angelique is active in community outreach and investor education. She frequently facilitates and promotes events on topics such as tax strategies, market analysis, and real estate flipping experiences. Her goal is to empower investors to make informed decisions and grow their portfolios successfully. Angelique’s efforts have contributed significantly to REAPS’ reputation as a trusted resource in the Puget Sound real estate scene.

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Better Lifestyle thru smart investing, applying yourself, discipline, knowledge and savings.~

--- Bringing the FIRE Movement the Eastside!! ---

~The F.I.R.E. Movement is about being thrifty strong saver, strategic with smart investing, and maybe entrepreneurial, so that you can retire early!

F.I.R.E. = Financial Independence, Retire Early

More details below...

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~Two local investors have volunteered to co-lead the FIRE group

Hamed Dadgour  & Alex Kaplan

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About Our Moderators....   

Hamed Dadgour - AI Tech innovator and Real Estate Investor 

&  Alex Kaplan - 10 years ex-Googler turned full time RE investor and entrepreneur

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REAPS Members Free 

Guests: FREE to this meeting

 Registration required for all events CLICK HERE 

From Wikipedia: The FIRE (Financial Independence, Retire Early) movement is a lifestyle movement with the goal of gaining financial independence and retiring early. The model became particularly popular among millennials in the 2010s, gaining traction through online communities via information shared in blogs, podcasts, and online discussion forums.

Those seeking to attain FIRE intentionally maximize their savings rate by growing the gap between their living expenses and their income, and investing the difference. JL Collins, an author who has been called the "godfather" of financial independence, has advocated:

"Spend less than you earn—invest the surplus—avoid debt. Do simply this and you'll wind up rich."

The objective is to accumulate assets until the passive income from these assets provide enough money to cover living expenses. Some proponents of the FIRE movement suggest the 4% rule as a rough withdrawal guideline, thus setting a goal of at least 25 times one's estimated annual living expenses. Others, such as economist Karsten Jeske, suggest planning for a more conservative withdrawal rate such as 3.25% or 3.5% (accumulating around 28 to 30 times one's estimated annual living expenses) when planning to retire very early.

When a person reaches financial independence, paid work becomes optional, allowing them to pursue new activities or retire before reaching a typical retirement age.

Background

FIRE is achieved through aggressive saving, far more than the standard 10–15% typically recommended by financial planners. Assuming expenses are equal to income minus savings, and neglecting investment returns, observe that:

• At a savings rate of 10%, it takes (1-0.1)/0.1 = 9 years of work to save for 1 year of living expenses.
• At a savings rate of 25%, it takes (1-0.25)/0.25 = 3 years of work to save for 1 year of living expenses.
• At a savings rate of 50%, it takes (1-0.5)/0.5 = 1 year of work to save for 1 year of living expenses

From this example, it can be concluded that the time to retirement decreases significantly as savings rate is increased. For this reason, those pursuing FIRE attempt to save 50% or more of their income.  At a 75% savings rate, it would take less than 10 years of work to accumulate 25 times the average annual living expenses suggested by 'the 4% safe withdrawal' rule.

There are several ways to pursue FIRE. Some of the best-known are:

LeanFIRE is about achieving financial independence earlier by living exceedingly frugally. With very low expenses, a smaller investment portfolio is needed to achieve financial independence.

FatFIRE is a strategy for achieving financial freedom and early retirement with a larger budget than traditional retirement planning. Unlike other FIRE methods that may focus on minimalism and reducing expenses, Fat FIRE allows for a more luxurious lifestyle in retirement. This approach requires saving and investing a significant portion of income to build a substantial nest egg, enabling individuals to retire earlier than conventional retirement age while maintaining a higher standard of living.

CoastFIRE has at least two stages. In the first, an investor aggressively saves and builds their investment portfolio. This continues until the investor is satisfied that their portfolio will grow sufficiently through the power of compound interest alone. In the second stage, the investor can stop or reduce their investing, and enjoy a measure of freedom without being fully financially independent.

BaristaFIRE allows people to partially retire before they are fully financially independent. It involves switching to a less-demanding (usually part-time) job that provides some income, and perhaps benefits such as health insurance. (The term is a reference to part-time jobs at Starbucks, which provide health insurance.) With this approach, a person covers their living expenses with income as well as modest withdrawals from an investment portfolio. During this period, the investment portfolio should continue to grow.

FIRE is viewed as a lifestyle, not simply an investment strategy. A common thread that challenges individuals that subscribe to the FIRE lifestyle is finding partners that share the same fiscal goals. Availability of online resources helps the movement to expand among Millennial high-net-worth individuals.

The emergence of social media has brought more attention to workers discussing their dissatisfaction. "Social media has made lives appear more glorious and expensive, but also allows others to broadly share about their financial freedom." said Zachary A. Bachner, CFP of Summit Financial.

Registration for event  CLICK HERE