BiggerPockets Real Estate Podcast

Podbit · BiggerPockets Real Estate Podcast

3 Kids, Full-Time Job, $2M Portfolio: This Single Mom Did It in 6 Years!

Explore episode Jun 29, 2026

Where this was said

Raising Kids Through Renovations: Work Ethic and the 0% Tax Strategy

At 33:50 · chapter starts 32:40

One of the episode's most human chapters explores what Rachel's children have absorbed from growing up inside this strategy. When she restarted in 2020, her twins were 6 and her youngest was 4. They painted walls — mostly just feeling included — and gradually took on real responsibilities as they grew. Now at 12 and 10, they help with packing, moving, and property prep. But Rachel is most proud of the mindset she's modeled: you are not a victim, you can figure things out, hard work produces results. She also surfaces a tax strategy that's easy to overlook: investors with an LLC can pay their minor children for legitimate work at a 0% income tax rate, with those earnings eligible for Roth IRA or college fund contributions. It turns sweat equity into a tax-advantaged head start. Whether or not her children pursue real estate as adults, she wants them to carry the entrepreneurial spirit she's built into this journey.

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