Episode #1288 Baselane: Automate your rental cash flow for a chance to win $10K plus BiggerPockets Pro members get a free upgrade to Baselane Smart. Sign up now 👇: https://www.baselane.com/bp Baselane is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. NO PURCH. NEC. Open to legal residents of 50 US/DC, 18+ & are landlords/real estate investors. Void where prohibited. Ends 9/30/26. Subject to Rules/free entry method: https://www.baselane.com/10K-terms *You don’t need a big, expensive, stressful rental property portfolio to retire* on your terms. Today’s guest was able to *leave her W-2 job in her late 30s,* all thanks to a *small,* smart *rental* property portfolio. Most people think they need a dozen (or more) doors to reach a level of “freedom” that lets them walk away from their job. Lucy Hinds did it with half that amount. *Did we mention she only started investing in 2022?* After deciding that jumping out of airplanes for the Army was where Lucy wanted her excitement from, she decided to tackle her debt ASAP. But this *former Dave Ramsey disciple* quickly became a real estate debt enthusiast, *buying three rental properties in three months,* all using equity from her personal residence. From there, Lucy continued to scale until *one day she decided she could step away from her job.* The best part? *She had only a handful of rentals* at the time, but they’d cover her living expenses, giving her the freedom to do what she wanted with her days. Discovering her “enough” led to her *early retirement, with far fewer rentals* than most people think is possible. Think you’re still decades away from retirement? Lucy proves that even in this market, a few rentals can go a long way. Episode Show Notes: https://lnk.to/biggerpocketsYT Join BiggerPockets for FREE 👇 https://www.biggerpockets.com/signup?utm_source=owned_media 🎉Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets: https://biggerpockets.com/bpcon2026 Let Us Know What You Thought of the Show! https://www.BiggerPockets.com/Podcastfeedback Grab the Book, _The Small and Mighty Real Estate Investor_ : https://store.biggerpockets.com/products/small-and-mighty-real-estate-investor?utm_source=youtube&utm_medium=description&utm_campaign=none Sign Up for the BiggerPockets Real Estate Newsletter: https://www.biggerpockets.com/email-subscribe?utm_source=youtube&utm_medium=description&utm_campaign=none Find Investor-Friendly Lenders: http://biggerpockets.com/findlenders Chad Carson: How to Retire with the Fewest Rentals Possible: https://www.biggerpockets.com/blog/real-estate-1225?utm_source=youtube&utm_medium=description&utm_campaign=none Connect with Lucy: BiggerPockets: https://www.biggerpockets.com/users/lucyh28?utm_source=youtube&utm_medium=description&utm_campaign=none Instagram: https://www.instagram.com/the_quiet_wealth_club/ or @the_quiet_wealth_club Connect with Henry: https://www.biggerpockets.com/users/henryw22?utm_source=youtube&utm_medium=description&utm_campaign=none 0:00 Intro 1:54 Dave Ramsey to Real Estate Debt 3:24 Buying 3 Houses in 3 Months! 6:48 Retired Early with Rentals 7:39 Real Cash Flow Numbers 12:15 Sponsor: Baselane! 13:19 Homerun Townhome Rental 15:15 This Helps You Retire FASTER 18:15 Retired in Just 3 Years 19:49 Cash-Flowing at 7% Rates 22:40 Retire with Fewer Rentals! 27:21 Living on Less, Buying Dream Home 30:14 Current Portfolio (and Cash Flow)