What's the minimum you should ask to your money?


They are people out there doing extreme things:

They avoid having a couple of coffees at the café each week and feel guilty if they spend 15 euros on beers with friends.

Even though they work hard, they take very few vacation days a year and always choose the cheapest hotel they can find on Booking.

Some obsess over not exceeding 100 km/h when driving on the highway and use an app to tell them which gas station to refuel at to save 0.01 cents per liter of fuel.

Others go to the supermarket and spend half the time looking for discounts, 3-for-2 promotions, and shampoos with 20% extra volume.

Probably, you also know the case of my neighbour, spending hours a week and lots of petrol, risking every day to get his car towed to save a few pennies in paying parking.

Of course, I have absolutely nothing against these people.

Everyone does whatever they want with their life, and that’s perfectly fine.

If their plan to amass a large sum of money and achieve financial freedom is this, I wish them luck.

If you’re new to world of investing, you’ve probably come across things like this:

“If you invest the euro that you spend on coffee at the bar in the stock market, in 20 years you’ll have enough money to buy a car.”

Or…

“If you save €300 a month and invest it in an index fund tied to the S&P 500, with an 8% annual return, in 30 years you’ll have almost half a million euros and you’ll have achieved financial independence.”

I have to admit, these messages really hit home.

The idea of getting rich “little by little” with a modest salary is pretty appealing.

It’s hard to resist giving it a try.

The problem is, expecting an 8% annual return for 30 consecutive years… you never know.

On the other hand, 30 years is a long time.

Also, the half a million euros (which is actually less, but “almost half a million” sounds better) is gross.

And let’s not forget inflation….

But well… who am I to crush anyone’s dreams?

What I propose you today is knowing what would be the minimum return you need in a real estate investment to make it worthy. When investing in real estate I’ve seen many errors:

People focused on “get the mortgage” paid through rents.

Others, focused on “get the mortgage and expenses” paid.

Others, selling their flipping project for 10.000 euros more than the money spent in the purchase and renovation…

What’s the minimum money that you should make when investing in real estate?

Do you have any idea?

It is 5%, it is 10%... it is just OK to get the expenses paid?

Listen to this audio and accelerate your path into financial freedom.

​What should be my return in real estate investment so that I'm not wasting my time and money? - $14.90​

PD 1: If you liked this email, don't keep it in secret and forward it to a friend. They will thank you enormously one day.

PD 2: If somebody has sent you this email and you want to receive emails like this yourself, visit vicentevalencia.com

PD 3: If you want unsubscribe, click the link below.

Vicente Valencia

Weekly insights on how to perform when it matters | High-stakes decisions. Real situations. No BS. | 👇JOIN +2k readers 👇

Read more from Vicente Valencia

They wanted to save money. Of course. Because nothing says “excellent public procurement” like taking a complex, mission-critical system and pretending the cheap option is also the clever option. In 2007, the Queensland Government in Australia needed a new payroll system for Queensland Health. Not a tiny organisation. Tens of thousands of employees, multiple awards, complex rosters, allowances, overtime, penalties, shifts… The kind of payroll system that makes normal payroll systems cry in...

Let’s say you want to get in shape. You can buy a gym membership. Fine. You pay the fee. You get the little towel. You walk in pretending you know exactly what you’re doing. Then you start lifting weights like a chicken “sin cabeza”… no head. A machine here. Some dumbbells there. A bit of treadmill because you saw someone else doing it. And then you hope willpower, motivation, and the fitness gods do the rest. Good luck with that. Now, if you’re serious… Really serious… You hire a personal...

The dream accomplishment is not a promotion. Sorry. I know LinkedIn wants you crying in front of a cake with the company logo… so that you produce lots of likes. “After 17 years, I am humbled to announce…” Lovely. Very touching. Very corporate. Very LinkedIn… But no. The real dream is a WhatsApp message. “Can you jump on a call? We have a problem.” That’s it. No fireworks. No orchestra. No posts in social media with 46 hashtags. Just one message. Because someone, somewhere, in a project that...