How to Achieve Financial Independence Using Real Estate With Dustin Heiner

The Personal Finance Podcast

Andrew Giancola

Entrepreneurship, Investing, Business

4.6 • 1.2K Ratings

🗓️ 22 October 2025

⏱️ 52 minutes

🔗️ Recording | iTunes | RSS

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Summary

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! Watch this episode on Youtube. In this episode of the Personal Finance Podcast, we are going to talk to Dustin Heiner about how to achieve financial independence and replace your job with real estate investing—exploring what your life would look like if you never had to work another day for money, breaking down the simple math to work backwards from your freedom number, showing you how to create consistent cash flow through rental properties starting from zero, explaining why Dustin invests in real estate whether the market is up, down, or sideways, and giving you the first steps and strategies to build passive income even if you think you can't find deals right now, plus Andrew announces an upcoming Part 2 where Dustin will coach him live as he ramps up his own real estate investing journey. How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/ Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Connect with Dustin Heiner: Website Podcast Instagram Youtube Facebook Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	on this episode of the Personal Finance Podcast,
0:02.9	how to achieve financial independence using real estate.
0:28.4	What's up, everybody, and welcome to the personal finance podcast.
0:31.5	I'm your host, Andrew founder of MasterMoney.com.
0:36.0	And today on the Personal Finance Podcast, we're going to be talking to Dustin Heiner about how to achieve financial independence
0:38.0	with real estate. If you guys have any questions, make sure you join the Master Money newsletter
0:42.6	by going to mastermoney.co slash newsletter. And don't forget to follow us on Spotify,
0:47.7	Apple Podcasts, YouTube, or whatever podcast player, you love listening to this podcast on it.
0:52.6	If you want to help out the show, consider leaving a five-star rating and review on Apple Podcasts, Spotify, or your favorite
0:58.9	podcast player. Now, on this episode, Dustin and I are going to be going through how to
1:02.9	achieve financial independence and replace your job with real estate. And what would your
1:06.7	life look like if you never had to work another day for money? That's exactly the question
1:11.4	Dustin Heiner asked himself at 37 years old. And then he did something about it. So in this
1:15.8	episode, we're going to break down how Dustin built financial independence through real estate
1:20.1	investing, starting from zero. We're going to talk through the simple math to work backwards
1:24.1	from your freedom number, how to create consistent cash flow through rentals, and why financial independence doesn't have to be a far-off dream. And if you've ever thought, I'd love to build passive income, but I don't know where to start, this is going to be a great starting point for you. Now, we're going to talk about some of the first steps and strategy. We're going to have Dustin share his own story. we're going to break down some of the numbers and we're going to give you some additional tactics as well. But one thing I love is Dustin also talks about why he invests in markets, even when the market is up, when the market is down, or when the market is going sideways. Where a lot of people come to me right now and they say, I can't find deals in real estate.
2:01.0	I'm not able to find cash flowing assets.
2:03.2	Well, Dustin is going to talk through why he likes to invest in real estate in various markets. Now, all of these are going to be really powerful lessons for you, especially if you're interested in investing in real estate. Now, this is going to be part one. In a couple of weeks, make sure you're following this podcast because we're going to have a part two, where I'm going to have Dustin actually coach me live on my situation as I am going to ramp up some of my real estate investing over the course of the next couple of years. And so we're going to have a part two in a couple of weeks where he is literally going to coach me live in part two. So make sure you are subscribed to this podcast.
2:35.5	So this is one I'm really excited about.
2:37.2	So without further ado, let's welcome Dustin to the Personal Finance Podcast.
2:42.3	So Dustin, welcome to the Personal Finance Podcast.
2:45.8	What's up, Andrew?
	...

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