While talking about financial freedom, I’ve been asked… “What sort of choices and income streams are you thinking?” My take on this is: It depends on the circumstances of the individual, so it depends what YOU need. Everybody’s different, but there is some kind of a “format” for most people. The format is.. In an ideal world what you need first of all is some kind of income generating asset to cover your bills. Properties are really, really good asset for doing this. There are other assets that can do similar things as well. But property is unique because of the leverage - we all know that. Usually, the first step is covering your basics. So what do you need to pay your bills and exist and not be worried that if there’s a disaster tomorrow. You’ve covered the minimum kind of ‘level’. Then the next bit is other assets after that. So things like borrowing buy-to-let, your commercial properties - they’re your legacy assets. Those are the ones that perhaps not gonna generate that much cash flow. But from a capital value, they’re gonna appreciate better.

Posted by Rob Peters at 2026-01-14 08:47:44 UTC