Hey Reader!

A couple years ago I started investing on a few small performing notes and kept reinvesting every dollar of income until I hit $5,000/month (my goal at that time). Let’s walk through the strategy behind it.

Notes Concept🧠

When you invest in a note, it matters big time whether that note is performing or not.

Performing Notes = Borrower is paying on time.

Non-Performing Notes = Borrower is NOT paying on time. Typically 90 days or more, putting the loan in default.

Ideally in your first deals you want notes that have been reliable so you can get your money without issues every month.

Real World Experience💰

If you are reading this, it's most likely because you don't want your job to control your life. I was in the same boat.

I wanted make work optional so I started investing in performing notes but the slow way.

Then everything changed when I learned how to use leverage and the snowball strategy to buy notes.

I opened a $15,000 line of credit to buy a performing note that would net me $300/month.

From my job I was able to save $1000/month so I was paying $1300 every month towards my line of credit.

This created a compounding machine that allowed me to pay off my line of credit in just a couple months! Then I did it again.

Bought a second note. Then a third. Each time the payoff got faster because there was more income stacking on top of it.

Each note I added went to cover a specific bill. My car payment. My utilities. My groceries. One by one, my expenses stopped being things I had to work for.

The $300 a month turned into $5,000 in passive income and work became a choice. It wasn’t luck, it was strategy.

Mindset Shift 🔄

Most people think financial freedom means saving up a giant lump sum and living off it someday.

The snowball strategy flips that completely.

You do not need millions. You need enough income to cover your monthly bills, and you can build that one note at a time.

Just saving money can take decades before it pays your bills. Instead, you can buy notes that pay your expenses now and have financial freedom in about 5 years or less!

Every note you buy is not an investment you wait on, it is a bill you never have to work for again.

Your car payment gets covered. Then your utilities. Then groceries. Each one falls off your plate permanently.

The goal is not a retirement date 30 years away.

It is a specific monthly number you can hit in a few years with the cash you already have sitting there doing nothing.

Once the income covers your expenses, you do not have to stop working. You just stop having to.

That is the difference. You work on your terms, for reasons you choose, not because a bill is due.

If you missed the webinar on how to make work optional using real estate notes, catch the replay below!

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To your success,

Sierra Davis

P.S. 2 ways to take your next step right now:

Know your Freedom Date — Book a free strategy session with a Wealth Coach and see your personal Financial Freedom date on paper. No cost, no obligation. Book here​

Get Access to 1:1 Guidance to buy your first note - Apply for 1:1 coaching

This email is for educational and informational purposes only. Nothing contained here constitutes financial, legal, investment, or tax advice. All investing involves risk, including the possible loss of principal. Individual results will vary. Please consult a licensed financial advisor, attorney, or tax professional before making any investment decisions. Some links in this email may be affiliate links. If you sign up through my link, I may receive a commission at no additional cost to you.