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 the needle. Achieve your

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code pockets. When I evaluate debt funds, I look for things like first position loans, personal

guarantees, deep experience by

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reasons why I'm excited to partner with Pine Financial Group. Their Fund 6 offers investors exposure to

real estate credit, largely for construction and rehab, largely here in Colorado, with loans

originated by an experienced

originator with over $1 billion in origination volume. Seventy-five percent of their borrowers

have been repeat customers over 17 years. They offer investors an 8% preferred return paid

monthly and a 70-30 LP split of everything over 10% paid annually.

The lock-up period is nine months with liquidity available within 90 days after that

nine-month commitment.

The fund is open to accredited investors only.

The fund's minimum investment is typically $100,000, but Pine Financial is able to reduce

that minimum for some investors,

and have agreed to do so for Bigger Pockets Money listeners to a minimum of $25,000.

Full disclosure, I am personally invested in this fund through my self-directed IRA,

and of course Pine Financial is sponsoring this message and our podcast.

If you'd like to invest or check out their prospectus,

go to biggerpocketsmoney.com slash pine today. That's biggerpocketsmoney.com slash p-I-N-E.

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