 passes to achieve financial independence. I will be investing another $50,000 in 2022. Most of the stories I hear about on the radio are people who got educated, did their first multifamily deal, sold it, and made money and kept doing it full-time, either as an IRO or with investors. This option is not available to me as I work full-time, meaning he doesn't have the time to be an IRO, an independent real estate owner, where he owns it himself and operates it himself.