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BiggerPockets Money Podcast

How Middle-Class Families Can Retire On Time Without Burning Out

BiggerPockets Money Podcast

BiggerPockets

Business, Education, Investing

4.5 • 3K Ratings

🗓️ 24 March 2026

⏱️ 48 minutes

🧾️ Download transcript

Summary

Building lasting wealth doesn’t have to be complicated. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the Financial Stability Framework, a practical roadmap designed to help middle-class households achieve long-term financial independence. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

Mindy and I are so grateful for the following sponsors who make Bigger Pockets Money possible. Tax season is one of the only times all year when most people actually look at their full financial picture, including income, spending, savings, investments, the whole thing. And if you're like most folks, it can be a little eye-opening. That's why I like Monarch. It helps you see exactly where your money is going, and more importantly, where your taxed refund can make the biggest impact. Because the goal isn't just to look backward, it's to actually make progress. Simplify your finances with Monarch. Monarch is the all-in-one personal finance tool designed to make your life easier. It brings your entire financial life, including budgeting, accounts and investments, net worth, and future planning together in one dashboard on your phone or your laptop. Feel aware and in control of your finances this tax season and get 50% off your Monarch subscription with the code pockets. What I personally like is that Monarch keeps you focused on achieving, not just tracking. You can see your budgets, debt payoff, savings goals, and net worth all in one place. So every decision actually moves in Edle. Achieve your financial

0:54.5

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0:59.0

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1:06.0

When I evaluate debt funds, I look for things like first position loans, personal guarantees,

1:10.1

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1:11.0

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1:15.5

reasons why I'm excited to partner with Pine Financial Group. Their fund six offers investors

1:19.4

exposure to real estate credit, largely for construction and rehab, with loans originated by

1:23.8

an experienced originator with over $1 billion in origination volume.

1:33.7

They offer investors an 8% preferred return paid monthly and a 70-30 LP split of everything over 10% paid annually.

1:35.4

The lockup period is nine months with liquidity available within 90 days after that

1:39.3

nine-month commitment.

1:40.4

The fund is open to accredited investors only.

1:42.3

The fund's minimum investment is typically $100,000. The Pine Financial is able to reduce that minimum for Bigger Pockets Money listeners to a minimum of $25,000.

1:50.5

Full disclosure, I am personally invested in this fund through my self-directed IRA. Pine Financial is sponsoring this message and our podcast.

1:57.7

Go to biggerpocketsmoney.com slash pine, P-I-N-E. Please note that returns are not guaranteed

2:03.3

and may vary based on fun performance. You just realized your business needed to hire someone

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...

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