Mortgage Rates Jumping from 4% to 8%: What Should This Investor Do?

How do you build nearly $1 million in net worth while working seasonally, living intentionally, and creating a lifestyle you actually enjoy? In this episode, Heather shares her remarkable journey from living in a 300-square-foot cabin to building substantial wealth through nursing, guiding, rental properties, and smart financial decisions. We break down her real estate portfolio, income streams, and the challenges that come with balancing financial independence and life goals.

With mortgage rates potentially doubling from 4% to 8%, Heather faces several important decisions: Should she pay off rental debt, refinance, sell properties, or preserve flexibility for a future sabbatical? We explore the numbers, the emotional side of real estate ownership, cash reserve strategies, tax considerations, and how to create a financial plan that supports both long-term wealth and personal freedom. Whether you're building wealth through real estate, planning a career break, or navigating major financial decisions, this conversation offers valuable insights and actionable takeaways.

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