Real Estate vs. Stocks: Which Will Make You MORE Money? (Rookie Reply)

Real Estate Rookie

BiggerPockets

How To, Education, Business, Investing, Entrepreneurship

4.8 • 1.7K Ratings

🗓️ 21 February 2025

⏱️ 38 minutes

🔗️ Recording | iTunes | RSS

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Summary

Should you invest in real estate or stocks in 2025? What if you DON’T have to choose? Today, we’ll share how you can have the best of both worlds with strategies you’ve probably never heard about! Welcome back to another Rookie Reply! Today, Ashley and guest cohost Mindy Jensen are answering more of your recent questions. First, what’s the best way to build credit so you can qualify for a mortgage? We’ll debate the legitimacy of credit repair companies and provide some crucial tips for raising your credit score. Next, we’ll not only settle the real estate versus stocks debate but also show you some of the best ways to invest in both! Finally, sometimes deals go south, but this is why you need to have multiple investing strategies up your sleeve. We’ll get creative and help an investor get out of a sticky situation! Looking to invest? Need answers? Ask your question here! In This Episode We Cover: Whether you should invest in real estate or the stock market in 2025 Leveraging your brokerage and retirement accounts to buy a rental property The five factors that make up your credit score (and steps to improve them!) The BEST financing options for those with less-than-perfect credit Why you must have multiple exit strategies for your investment property And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPockets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Get Your Financial House in Order with an Investor-Friendly Financial Planner Ask Your Question for a Future Rookie Reply Buy the Book “Recession-Proof Real Estate Investing” Sign Up for the Real Estate Rookie Newsletter Find an Investor-Friendly Agent in Your Area Real Estate vs. Stocks: What 145 Years of Returns Tells Us Connect with Mindy (00:00) Intro (00:37) Building Credit 101 (08:42) Real Estate vs. Stocks (23:16) Changing Your Strategy (30:38) Connect with Mindy! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-526 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email [email protected]. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Is this the right time to buy a rental property or should you be investing more in the stock market
0:05.5	using your retirement accounts? Today, we'll break down a strategy where you can actually do both.
0:16.9	I'm Ashley Care and welcome to the Real Estate Rookie podcast.
0:24.2	Tony just had his wonderful little baby girl.
0:29.7	So today we have a special guest from the Bigger Pockets Money podcast, Mindy Jensen.
0:32.0	Mindy, welcome to the show.
0:34.3	Thank you so much for joining us today.
0:36.3	Ashley, I'm so excited to talk to you.
0:37.2	This is going to be fun. Yes. So we have our
0:39.0	first question today, and this is from Ricky Martinez in the real estate rookie Facebook group.
0:45.3	So his question is, guys, I need a top-notch credit repair expert. I've already paid off of most
0:51.0	of my debt and have been current with my payments and credit cards.
0:54.9	But my credit score just won't budge. I followed most of the traditional advice, such as
1:00.9	keeping card balances at 10%, but I still can't get past 690. I need a reputable professional
1:09.1	who can help me turn things around.
1:11.6	Thank you.
1:12.7	So, Mindy, are you that reputable professional that can help today with some tips, tricks, and advice for this person?
1:23.0	So where would you start if you're in the situation of trying to repair your credit?
1:28.0	First, I want to share with Ricky, it takes time to repair your credit.
1:33.2	Your credit scoring companies are pulling from at least the last 12 months of data.
1:38.7	So if you have, you know, 12 months of not so great credit, not paying your bills on time, you know, running up
1:45.8	your credit cards all the way to the top. And then you have one month of, hey, I'm turning
	...

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