{"id":137546,"date":"2021-05-05T11:30:00","date_gmt":"2021-05-05T17:30:00","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=137546"},"modified":"2023-03-29T02:59:58","modified_gmt":"2023-03-29T08:59:58","slug":"nfts","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/nfts","title":{"rendered":"What Are NFTs and Why Should Real Estate Investors Care?"},"content":{"rendered":"\n\n      <iframe loading=\"lazy\" frameborder=\"0\" height=\"200\" scrolling=\"no\" src=\"https:\/\/playlist.megaphone.fm?e=BIGPOC3981140688&#038;light=false\" width=\"100%\"><\/iframe>  \n\n\n\n\n<p>Sure, the COVID-19 vaccine rollout has been going better than expected, a huge stimulus bill just passed, and the U.S. might be getting a much-needed upgrade to infrastructure in the near future.<\/p>\n\n\n\n<p>But one of the biggest news stories of the past month has been the unprecedented purchase of digital artist Beeple\u2019s \u201c<a href=\"https:\/\/onlineonly.christies.com\/s\/beeple-first-5000-days\/beeple-b-1981-1\/112924\" target=\"_blank\" rel=\"noopener\">Everydays: The First 5000 Days<\/a>\u201d NFT through Christie\u2019s Auction House for more than $69 million. (Before October, the artist had never sold a piece for more than $100.) It sounds bizarre, right?<\/p>\n\n\n\n<p>Even Vignesh Sundaresan, the piece&#8217;s buyer, founder of<a href=\"https:\/\/www.coindesk.com\/pseudonymous-69m-beeple-nft-buyer-metakovan-reveals-true-identity#:~:text=%E2%80%9CMetaKovan%2C%E2%80%9D%20the%20hitherto%20pseudonymous,on%20the%20Metapurser%20website%20Thursday.&amp;amp;text=As%20MetaKovan%2C%20he&#039;s%20also%20the%20founder%20of%20the%20Metapurse%20NFT%20project.\" target=\"_blank\" rel=\"noopener\"> the Metapurse<\/a> NFT project, and a big spender in the space (obviously), recently told <a href=\"http:\/\/bloomberg.com\/news\/articles\/2021-04-06\/crypto-whale-behind-69-million-nft-sees-huge-risk-for-traders\" target=\"_blank\" rel=\"noopener\">Bloomberg<\/a>, \u201cIt\u2019s even crazier than investing in crypto.\u201d<\/p>\n\n\n\n<p>It seems the cryptocurrency entrepreneur is correct. According to Nonfungible.com, the average prices for NFTs dropped by almost 70% from a high in February through early April.<\/p>\n\n\n\n<p>Since this whirlwind conversation\u2014and huge payouts\u2014about NFTs has started, many regular folks and investors have been wondering what the heck this is all about. Wonder no more. Here is a BiggerPockets guide to NFTs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<div id=\"hero-block_62df1a82bfc88\" class=\"first:mt-0 hero-block py-4    has-background has-slate-200-background-color has-text-color has-theme-gold-color\">\n    <div\n        class=\" flex flex-wrap lg:flex-nowrap max-w-screen-xl mx-auto px-4 relative lg:items-center \">\n\n        <div class=\"relative z-30 w-full \">\n            <main class=\"py-4\">\n                \n\n<p class=\"has-slate-800-color has-text-color has-large-font-size\" style=\"font-style:normal;font-weight:800\">The Money Podcast<\/p>\n\n\n\n<p class=\"my-3 md:my-5 lg:my-8 has-slate-900-color has-text-color\" style=\"font-size:16px\">Kickstart your personal finance journey with Scott and Mindy as they break down the good, bad, and ugly of people\u2019s personal money stories. From interviews with entrepreneurs and business owners to breakdowns of listener finances, you\u2019ll get actionable advice on how to get out of debt and grow your money.<\/p>\n\n\n\n<div id=button-custom-event-block_65400b52d0a76 class='button-custom-event'>\n      <a href=\"https:\/\/link.chtbl.com\/Money\" x-on:click=\"window.analytics.track(&#039;Money Podcast Blog CTA Click&#039;, {\n      referrer: &#039;https:\/\/www.biggerpockets.com\/blog\/nfts&#039;,\n    });\" class=\" btn-shape inline-block no-underline has-background has-theme-slate-dark-background-color has-text-color has-white-color\" target=\"_blank\" rel=\"noopener\">Listen Now<\/a>\n  <\/div>\n\n            <\/main>\n        <\/div>\n\n                <div class=\" first:mt-0 relative h-full lg:flex lg:items-center\">\n            <img decoding=\"async\" class=\"object-cover w-full relative z-20 my-0  shadow-xl rounded-md hidden lg:block\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2021\/12\/BP_Money_podcast_square-1024x1024-1-e1660861377128.jpeg\" alt=\"\" title=\"\">\n        <\/div>\n            <\/div>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What is an NFT?<\/h2>\n\n\n\n<p>NFT stands for non-fungible token, which is essentially a unique &#8220;thing&#8221; that can\u2019t be pirated, counterfeited, or replaced by something else.<\/p>\n\n\n\n<p>Why not? Every purchase of said thing\u2014the digital token\u2014is logged on a decentralized ledger like Blockchain, the record-keeping technology for Bitcoin, so that all transactions are visible to the public.<\/p>\n\n\n\n<p>\u201cSay you buy a Louis Vuitton bag and want to figure out if it\u2019s authentic, if it had a unique identifier on it, like bag 586 that was bought by Sara in 2010, now she\u2019s transferring it to Janine and putting it onto a spreadsheet everyone could see,\u201d explains Janine Yorio, co-head of real estate at Republic Real Estate. That\u2019s what makes it non-fungible (unable to be replaced).<\/p>\n\n\n\n<p>With NFTs, people are transferring all kinds of digital objects: drawings, art, music, <a href=\"https:\/\/www.nytimes.com\/2021\/03\/24\/opinion\/what-are-nfts.html\" target=\"_blank\" rel=\"noopener\">$25,000 GIFs<\/a>. \u201cWhen you use NFT technology, you\u2019re giving artists and creators a way to track their intellectual property,\u201d says Yorio. \u201cIt all happens using blockchain.\u201d<\/p>\n\n\n\n<p>Think of it as the equivalent of a virtual title for a car or a house that gets tracked when it is transferred to every new owner. In many cases, there\u2019s just one actual version of the token, like that vintage car that\u2019s being sold or, say, the Mona Lisa. But NFTs don\u2019t just refer to one definitive version of something. It could also be a trading card or a hand-signed limited edition Andy Warhol, where there are 50 or 500 numbered copies of the same object.<\/p>\n\n\n\n<p>Digital real estate can also fall under the category of NFT. In fact, Yorio is head of the Republic Realm fund, which is a digital real estate NFT fund (more on that later).<\/p>\n\n\n\n<p>Currently, most NFTs are part of the Ethereum blockchain. Like Bitcoin, Ethereum is a cryptocurrency, but its blocks store additional information that supports these NFTs. Other blockchains are able to administer their own NFTs, and some <a href=\"https:\/\/dappradar.com\/blog\/tron-introduces-nft-standard-trc-721\" target=\"_blank\" rel=\"noopener\">have already started<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why is everyone talking about NFTs right now?<\/h2>\n\n\n\n<p>NFTs have been around since 2015. However, these tokens really started to gain momentum at the beginning of 2021\u2014after nearly a year of engaging in most social interactions online instead of IRL\u2014with the <a href=\"https:\/\/www.adweek.com\/media\/nfts-guide-nonfungible-tokens-cryptomedia-trend-ownership-internet\/\" target=\"_blank\" rel=\"noopener\">growing acceptance of cryptocurrency<\/a>, sense of accessibility stemming from the r\/WallStreetBets Gamestop debacle, and advances in blockchain technology and expanding marketplaces for selling tokens.<\/p>\n\n\n\n<p>Dapper Labs really began to kick off the trend with CryptoKitties, a game that allows players to purchase, breed, and sell virtual cats, and NBA\u2019s Top Shop, a blockchain-based trading card system that features highlights and digital artwork.<\/p>\n\n\n\n<p>The latter, which was released last fall, started selling at $9 per pack. Similar to old-school baseball cards, as the secondary market for these digital cards developed, the price went up\u2014they can now sell for $200,000 apiece. \u201cThat has opened this space and has given rise to what we\u2019ve seen in the past few months,\u201d says Yorio. \u201cIt\u2019s about scarcity.\u201d<\/p>\n\n\n\n<p>Anything digital could be sold as an NFT. <a href=\"https:\/\/www.nytimes.com\/2021\/03\/24\/technology\/nft-column-blockchain.html\" target=\"_blank\" rel=\"noopener\">The New York Times<\/a> sold a token of a column for over half a million dollars. Jack Dorsey, founder of Twitter, traded the rights to his first tweet for nearly $3 million. And 89-year-old William Shatner sold his own NFT trading cards featuring images from his personal life and career, starting in the 1930s. The 10,000 \u201cpacks\u201d (five for $5 and 25 for $25) of around 125,000 digital Shatner cards sold out in nine minutes.<\/p>\n\n\n\n<p>One of the rarest cards in the collection, a headshot of Shatner taken in the aughts, recently resold for a whopping $6,800\u2014quite the ROI. \u201cIt\u2019s a phenomenon of rare things being bid up on the internet,\u201d Shatner recently told <a href=\"https:\/\/www.forbes.com\/sites\/abrambrown\/2021\/02\/26\/what-is-an-nft-and-should-you-buy-one\/?sh=b34cdd924b20\" target=\"_blank\" rel=\"noopener\">Forbes<\/a>.<\/p>\n\n\n\n<p>Most of the talk surrounding NFTs has been focused on their ability to become a new form of art collecting, especially since esteemed auction house Christie&#8217;s began offering the fully digital works last month. This is why someone paid nearly $390,000 for <a href=\"https:\/\/niftygateway.com\/itemdetail\/primary\/0x948b3515d81034a3c16d5393c6c155946c93c103\/1\" target=\"_blank\" rel=\"noopener noreferrer\">this 56-second video clip<\/a> by musician Grimes and someone else bought <a href=\"https:\/\/niftygateway.com\/itemdetail\/secondary\/0x12f28e2106ce8fd8464885b80ea865e98b465149\/100010001\" target=\"_blank\" rel=\"noopener noreferrer\">this video by Beeple<\/a> for $6.6 million, both of which are available to view on the web for free.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where&#8217;s the value in NFTs?<\/h2>\n\n\n\n<p>It is hard to understand why something that can be viewed for zero dollars is fetching such a high price tag. The technology that\u2019s being used and the reasons individual buyers are spending so much on these tokens are both new and somewhat complex. However, the underlying elements that are fueling the NFT market have been around for ages: fandom, creator royalties, and, as Yorio mentioned earlier, scarcity.<\/p>\n\n\n\n<p>The current craze has many wondering whether these tokens will continue to hold their value or see their worth fade away like <a href=\"https:\/\/www.businessinsider.com\/collectibles-collectors-items-worthless-not-valuable-today#franklin-mint-collectibles-often-sell-for-a-fraction-of-what-owners-paid-for-them-1\" target=\"_blank\" rel=\"noopener\">Franklin Mint coins<\/a>, <a href=\"https:\/\/www.theguardian.com\/money\/2013\/apr\/13\/stamp-collectors-catalogues-philately-clubs\" target=\"_blank\" rel=\"noopener\">stamps<\/a>, or most Beanie Babies. There is some evidence that the craze may already be fading <a href=\"https:\/\/observer.com\/2021\/04\/nft-crypto-bubble-trading-decline\/\" target=\"_blank\" rel=\"noopener\">fast<\/a>. But \u201cthat\u2019s true of any collectible,\u201d says Yorio. \u201cYou can say the same of a Ferrari or Andy Warhol. Collectibles ebb and flow in popularity\u2014it\u2019s about a confluence of different things that we probably don&#8217;t know where we sit today.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How does this relate to real estate?<\/h2>\n\n\n\n<p>While much of the conversation surrounding NFTs has focused on the tokens as an evolution of fine art collecting, there\u2019s a segment of investors who want to buy a piece of these digital worlds. Yorio\u2019s fund brings together pools of investors to buy parcels of virtual land in various metaverses.<\/p>\n\n\n\n<p>The concept is a mix of capitalism meets science fiction meets regular old real estate. Kind of like live video games\u2014some of which have dabbled in adding new virtual experiences to their core games\u2014these virtual worlds are essentially a shared space on the internet where people get together to play, work, and socialize via customized avatars as a virtual representation of themselves.<\/p>\n\n\n\n<p>The whole thing is difficult to understand for anyone who isn\u2019t into sci-fi. The best example of a metaverse is the virtual world illustrated in the novel and movie <em>Ready Player One<\/em>, where the protagonist escapes the real world for a virtual world. Another way to think about it is an evolved version of the video game The Sims.<\/p>\n\n\n\n<p>Right now only a handful of metaverses exist, and they\u2019ve been increasingly offering users digital experiences that are closer to real-life events\u2014fueled, in part, by the stay-at-home orders of the pandemic.<\/p>\n\n\n\n<p>In April 2020, the online game Fortnite hosted a virtual concert by rapper Travis Scott that brought in more than 12.3 million simultaneous viewers. More recently Domino\u2019s has made it possible to <a href=\"https:\/\/www.coindesk.com\/nft-sales-mean-digital-real-estate\" target=\"_blank\" rel=\"noopener\">buy pizza from a virtual shop<\/a> in the metaverse Decentraland and have it delivered to a real-world address.<\/p>\n\n\n\n<p>Since the NFT boom hit, values of <a href=\"https:\/\/www.nbcnews.com\/tech\/tech-news\/welcome-decentraland-nfts-meet-virtual-world-rcna553\" target=\"_blank\" rel=\"noopener\">land parcels in Decentraland<\/a> have skyrocketed. The digital world gives users a space to create an avatar, interact with one another, and participate in all kinds of activities, from concerts and art shows to building a home or business on their own plot of virtual land. When the virtual community launched in 2017, developers sold them for around $20 per parcel. Now, those same parcels can sell for anywhere from $6,000 to more than $10,000.<\/p>\n\n\n\n<p>Like the numbered Andy Warhol prints or limited edition Shatner cards, there is a finite supply of these parcels available for purchase. But, unlike those collectibles that would most likely be locked up in someone\u2019s home or become the stuff of bragging rights on the web, corporations are beginning to see potential in their ability to market to consumers through these shared spaces.<\/p>\n\n\n\n<p>As the number of users in these metaverses has grown, brands have been increasingly interested in connecting with those users inside of these virtual worlds where they\u2019ve been spending their time. \u201cIt\u2019s not necessarily advertising, like stationary billboards,\u201d says Yorio. \u201cIt\u2019s more like events in virtual worlds where things happen. You might have a DJ and opportunity for free swag or a famous person pop in with their avatar: It\u2019s an interactive way for a product or company to connect with users in an immersive virtual environment.\u201d<\/p>\n\n\n\n<p>Hundreds of millions of users hang out in metaverses everyday, but there\u2019s still a huge part of the global population that has no idea these worlds even exist. However, as these spaces continue to grow, selling real-life products to people in those worlds will become a very cost-effective way to market things, says Yorio, which is why parcels are selling for such astronomical rates. \u201cDigital real estate prices are still up nearly four times in four months,\u201d she says. \u201cReal-world real estate doesn&#8217;t usually (ever) do that.\u201d<\/p>\n\n\n\n<p>Will virtual parcels continue to appreciate at the same rate? It\u2019s hard to tell. However, folks like Yorio are very intrigued by the prospect. \u201cPeople have been playing in virtual worlds like Sims for 25 years now,\u201d she says. \u201cThis is just adding crypto to something that\u2019s widely used and already very well-loved: I believe it&#8217;s an interesting asset class to consider.\u201d<\/p>\n\n\n\n<p>Like all investments, getting into NFTs requires a fair amount of research, starting with trying to understand the market by tracking historical trades on different asset classes. <a href=\"https:\/\/opensea.io\/\" target=\"_blank\" rel=\"noopener\">OpenSea<\/a>, which is the largest NFT marketplace in the world, is a great place to research and shop for all kinds of NFTs ranging from art and trading cards to virtual worlds like Decentraland and digital sports memorabilia. And it\u2019s important to trade in one\u2019s area of expertise. So, if real-world real estate or, say, William Shatner, is your forte, that might be the best place to start.<\/p>\n\n\n\n  <div id=\"posts_lists-block_60899b4bb3aa5\" class=\"  my-10\">\n    <div class=\"\">\n      <!-- Column One -->\n      <div>\n                  <h2 class=\"mt-0 mb-1 js-toc-ignore\">\n            More personal finance from BiggerPockets          <\/h2>  \n                  \n                  <div class=\"mt-1 mb-0 text-sm mb-2 excerpt\">\n            Strong personal finance and financial literacy lays the groundwork for much investing and business success. Here, you&#8217;ll find hundreds of articles written by personal finance experts on topics like saving, earning more, and investing. A strong knowledge of personal finance can seriously expedite your real estate investing career.\r\n\r\nA great credit score, some cash in the bank, and strong stable income can be invaluable assets for those looking to begin or add to their real estate portfolio. For a more in-depth\u00a0discussion and debate about best practices in personal finance, you may want to check out the <a href=\"https:\/\/www.biggerpockets.com\/forums\/519-personal-finance-discussion\" target=\"_blank\">Personal Finance Forum<\/a>.          <\/div>\n        \n                  <a href=\"https:\/\/www.biggerpockets.com\/blog\/category\/personal-finance\" class=\"no-underline text-themeBlue-medium hover:underline uppercase font-semibold text-sm\" target=\"_blank\">Personal Finance<\/a>\n        \n        <div class=\"grid grid-cols-1 gap-y-4 lg:gap-y-7 mt-5\">\n          \n<article \n\tid=\"post-187784\" \n\tclass=\"content-card mb-0 flex flex-col  post-187784 post type-post status-publish format-standard has-post-thumbnail hentry category-personal-finance\">\n\n\t<header class=\"entry-header\">\t\t\t\n\t\t<!-- Image -->\n        \t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.biggerpockets.com\/blog\/why-some-real-estate-investors-build-wealth-faster-than-others\" target=\"_blank\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"225\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/08\/portfolio-decisions-340x225.jpg\" class=\"size-card w-full  m-0 aspect-[68\/45] object-scale-down wp-post-image\" alt=\"Why Some Real Estate Investors Build Wealth Faster Than Others\" title=\"\">\t\t\t<\/a>\n\t\t        \n\n\t\t<!-- Content Wrapper -->\n\t\t<div class=\"py-4 \">\t\n                            <div class=\"flex gap-4 justify-between items-center\">\n                    <!-- Category  -->\n                                            <a href=\"https:\/\/www.biggerpockets.com\/blog\/category\/personal-finance\" class=\"transition-colors bg-themeBlue\/20 text-themeBlue-medium hover:bg-themeBlue hover:text-white px-2 py-1 mb-2 inline-block rounded-sm no-underline text-sm\" target=\"_blank\">Personal Finance<\/a>\n                    \n                                            <span class=\"text-sm text-gray-500 hidden lg:inline-block\">6 min read<\/span>\n                                    <\/div>\n            \n           <div class=\"flex gap-3 items-center my-2 flex-nowrap text-base\">\n                <!-- Avatar and Author Name -->\n                <img decoding=\"async\" src=\"https:\/\/bp-wp-migration.s3.amazonaws.com\/author_avatars\/158586.jpg\" class=\"w-8 h-8 object-cover my-0 inline-block rounded-full\" alt=\"\" title=\"\"><span class='leading-snug text-slate-500 flex items-center'><span class='hidden whitespace-nowrap sm:inline-block md:hidden lg:inline-block pr-1'><span class='posted-on'><time class=\"entry-date published\" datetime=\"2026-05-05T08:24:53-06:00\">May 05, 2026<\/time><time class=\"updated\" datetime=\"2026-05-05T08:24:57-06:00\">May 05, 2026<\/time><\/span><\/span>&nbsp;<a href=\"https:\/\/www.biggerpockets.com\/blog\/contributors\/g-briandavis\" class=\"no-underline line-clamp-1\" target=\"_blank\">G. Brian Davis<\/a><\/span>            <\/div>\n\n            <!-- Post title -->\n\t\t\t<h2 class=\"entry-title js-toc-ignore mt-4 mb-0 text-xl leading-snug text-left\">\n\t\t\t\t<a href=\"https:\/\/www.biggerpockets.com\/blog\/why-some-real-estate-investors-build-wealth-faster-than-others\" rel=\"bookmark\" class=\"whitespace-normal no-underline font-bold  text-slate visited:text-slate hover:text-themeBlue\" target=\"_blank\">\n\t\t\t\t\tWhy Some Real Estate Investors Build Wealth Faster Than Others\t\t\t\t<\/a>\n\t\t\t<\/h2>\n\t\t\t\n                        <p class=\"text-lg font-normal mt-3 text-slate-500 mb-1 line-clamp-3\">Imagine two investors, Grinding Gretchen and Relaxed Rachel, who both start with $50,000 to invest.\u00a0 Most people\u2014including Gretchen\u2014think they\u2019ll sprint or trip based on market timing, hustle, luck, or choosing&hellip;<\/p>\n\t\t<\/div>\n\t<\/header>\n     <footer class=\"flex justify-between mt-auto\">\n        <!-- Comment Count -->\n        \t\t<span class='flex items-center space-x-2 text-sm' x-cloak x-data='commentCount()' :class=\"parseFloat(commentCount) < 1 || commentCount == '' ? 'hidden' : 'flex'\">\n\t\t\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"h-5 w-5 text-slate text-opacity-50\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M17 8h2a2 2 0 012 2v6a2 2 0 01-2 2h-2v4l-4-4H9a1.994 1.994 0 01-1.414-.586m0 0L11 14h4a2 2 0 002-2V6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2v4l.586-.586z\" \/>\n            <\/svg>\n\n            <span x-ref=\"comment_count\" class=\"disqus-comment-count text-slate text-opacity-80\" data-disqus-identifier=\"187784\">\n\t\t\t\t\t\t\t<\/span>\n        <\/span>\n\t    <\/footer>\n<\/article><!-- #post-187784 -->\n<article \n\tid=\"post-183715\" \n\tclass=\"content-card mb-0 flex flex-col  post-183715 post type-post status-publish format-standard has-post-thumbnail hentry category-personal-finance\">\n\n\t<header class=\"entry-header\">\t\t\t\n\t\t<!-- Image -->\n        \t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.biggerpockets.com\/blog\/do-your-rentals-make-enough-for-retirement\" target=\"_blank\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"225\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2025\/05\/NC-home_canva-340x225.jpg\" class=\"size-card w-full  m-0 aspect-[68\/45] object-scale-down wp-post-image\" alt=\"Secure Your Future: Are Your Cash Flow Calculations Ready for Retirement?\" title=\"\">\t\t\t<\/a>\n\t\t        \n\n\t\t<!-- Content Wrapper -->\n\t\t<div class=\"py-4 \">\t\n                            <div class=\"flex gap-4 justify-between items-center\">\n                    <!-- Category  -->\n                                            <a href=\"https:\/\/www.biggerpockets.com\/blog\/category\/personal-finance\" class=\"transition-colors bg-themeBlue\/20 text-themeBlue-medium hover:bg-themeBlue hover:text-white px-2 py-1 mb-2 inline-block rounded-sm no-underline text-sm\" target=\"_blank\">Personal Finance<\/a>\n                    \n                                            <span class=\"text-sm text-gray-500 hidden lg:inline-block\">3 min read<\/span>\n                                    <\/div>\n            \n           <div class=\"flex gap-3 items-center my-2 flex-nowrap text-base\">\n                <!-- Avatar and Author Name -->\n                <img decoding=\"async\" src=\"https:\/\/bp-wp-migration.s3.amazonaws.com\/author_avatars\/214306.jpg\" class=\"w-8 h-8 object-cover my-0 inline-block rounded-full\" alt=\"\" title=\"\"><span class='leading-snug text-slate-500 flex items-center'><span class='hidden whitespace-nowrap sm:inline-block md:hidden lg:inline-block pr-1'><span class='posted-on'><time class=\"entry-date published\" datetime=\"2025-07-08T07:29:01-06:00\">Jul 08, 2025<\/time><time class=\"updated\" datetime=\"2025-07-08T07:29:04-06:00\">Jul 08, 2025<\/time><\/span><\/span>&nbsp;<a href=\"https:\/\/www.biggerpockets.com\/blog\/contributors\/whitneyhutten\" class=\"no-underline line-clamp-1\" target=\"_blank\">Whitney Hutten<\/a><\/span>            <\/div>\n\n            <!-- Post title -->\n\t\t\t<h2 class=\"entry-title js-toc-ignore mt-4 mb-0 text-xl leading-snug text-left\">\n\t\t\t\t<a href=\"https:\/\/www.biggerpockets.com\/blog\/do-your-rentals-make-enough-for-retirement\" rel=\"bookmark\" class=\"whitespace-normal no-underline font-bold  text-slate visited:text-slate hover:text-themeBlue\" target=\"_blank\">\n\t\t\t\t\tSecure Your Future: Are Your Cash Flow Calculations Ready for Retirement?\t\t\t\t<\/a>\n\t\t\t<\/h2>\n\t\t\t\n                        <p class=\"text-lg font-normal mt-3 text-slate-500 mb-1 line-clamp-3\">Retirement planning often feels like a checkbox exercise for high-income professionals and business owners. Work hard, save diligently, invest here and there\u2014done, right? But let me ask you this: Are&hellip;<\/p>\n\t\t<\/div>\n\t<\/header>\n     <footer class=\"flex justify-between mt-auto\">\n        <!-- Comment Count -->\n        \t\t<span class='flex items-center space-x-2 text-sm' x-cloak x-data='commentCount()' :class=\"parseFloat(commentCount) < 1 || commentCount == '' ? 'hidden' : 'flex'\">\n\t\t\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"h-5 w-5 text-slate text-opacity-50\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M17 8h2a2 2 0 012 2v6a2 2 0 01-2 2h-2v4l-4-4H9a1.994 1.994 0 01-1.414-.586m0 0L11 14h4a2 2 0 002-2V6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2v4l.586-.586z\" \/>\n            <\/svg>\n\n            <span x-ref=\"comment_count\" class=\"disqus-comment-count text-slate text-opacity-80\" data-disqus-identifier=\"183715\">\n\t\t\t\t\t\t\t<\/span>\n        <\/span>\n\t    <\/footer>\n<\/article><!-- #post-183715 -->\n<article \n\tid=\"post-182657\" \n\tclass=\"content-card mb-0 flex flex-col  post-182657 post type-post status-publish format-standard has-post-thumbnail hentry category-personal-finance\">\n\n\t<header class=\"entry-header\">\t\t\t\n\t\t<!-- Image -->\n        \t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.biggerpockets.com\/blog\/check-your-credit-card-statements-every-month\" target=\"_blank\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"225\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/04\/credit-cards-340x225.jpg\" class=\"size-card w-full  m-0 aspect-[68\/45] object-scale-down wp-post-image\" alt=\"Check Your Credit Card Statements EVERY Month\" title=\"\">\t\t\t<\/a>\n\t\t        \n\n\t\t<!-- Content Wrapper -->\n\t\t<div class=\"py-4 \">\t\n                            <div class=\"flex gap-4 justify-between items-center\">\n                    <!-- Category  -->\n                                            <a href=\"https:\/\/www.biggerpockets.com\/blog\/category\/personal-finance\" class=\"transition-colors bg-themeBlue\/20 text-themeBlue-medium hover:bg-themeBlue hover:text-white px-2 py-1 mb-2 inline-block rounded-sm no-underline text-sm\" target=\"_blank\">Personal Finance<\/a>\n                    \n                                            <span class=\"text-sm text-gray-500 hidden lg:inline-block\">3 min read<\/span>\n                                    <\/div>\n            \n           <div class=\"flex gap-3 items-center my-2 flex-nowrap text-base\">\n                <!-- Avatar and Author Name -->\n                <img decoding=\"async\" src=\"https:\/\/bp-wp-migration.s3.amazonaws.com\/author_avatars\/1687.jpg\" class=\"w-8 h-8 object-cover my-0 inline-block rounded-full\" alt=\"\" title=\"\"><span class='leading-snug text-slate-500 flex items-center'><span class='hidden whitespace-nowrap sm:inline-block md:hidden lg:inline-block pr-1'><span class='posted-on'><time class=\"entry-date published\" datetime=\"2025-05-08T12:18:29-06:00\">May 08, 2025<\/time><time class=\"updated\" datetime=\"2025-05-08T12:18:32-06:00\">May 08, 2025<\/time><\/span><\/span>&nbsp;<a href=\"https:\/\/www.biggerpockets.com\/blog\/contributors\/mindyjensen\" class=\"no-underline line-clamp-1\" target=\"_blank\">Mindy Jensen<\/a><\/span>            <\/div>\n\n            <!-- Post title -->\n\t\t\t<h2 class=\"entry-title js-toc-ignore mt-4 mb-0 text-xl leading-snug text-left\">\n\t\t\t\t<a href=\"https:\/\/www.biggerpockets.com\/blog\/check-your-credit-card-statements-every-month\" rel=\"bookmark\" class=\"whitespace-normal no-underline font-bold  text-slate visited:text-slate hover:text-themeBlue\" target=\"_blank\">\n\t\t\t\t\tCheck Your Credit Card Statements EVERY Month\t\t\t\t<\/a>\n\t\t\t<\/h2>\n\t\t\t\n                        <p class=\"text-lg font-normal mt-3 text-slate-500 mb-1 line-clamp-3\">Your credit card company very helpfully sends you a list of every single item charged to your credit card. This is called a statement, and it comes every month.&nbsp; Are&hellip;<\/p>\n\t\t<\/div>\n\t<\/header>\n     <footer class=\"flex justify-between mt-auto\">\n        <!-- Comment Count -->\n        \t\t<span class='flex items-center space-x-2 text-sm' x-cloak x-data='commentCount()' :class=\"parseFloat(commentCount) < 1 || commentCount == '' ? 'hidden' : 'flex'\">\n\t\t\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"h-5 w-5 text-slate text-opacity-50\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M17 8h2a2 2 0 012 2v6a2 2 0 01-2 2h-2v4l-4-4H9a1.994 1.994 0 01-1.414-.586m0 0L11 14h4a2 2 0 002-2V6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2v4l.586-.586z\" \/>\n            <\/svg>\n\n            <span x-ref=\"comment_count\" class=\"disqus-comment-count text-slate text-opacity-80\" data-disqus-identifier=\"182657\">\n\t\t\t\t\t\t\t<\/span>\n        <\/span>\n\t    <\/footer>\n<\/article><!-- #post-182657 -->\n<article \n\tid=\"post-174193\" \n\tclass=\"content-card mb-0 flex flex-col  post-174193 post type-post status-publish format-standard has-post-thumbnail hentry category-biggerpocketsmoney category-personal-finance\">\n\n\t<header class=\"entry-header\">\t\t\t\n\t\t<!-- Image -->\n        \t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.biggerpockets.com\/blog\/money-538\" target=\"_blank\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"225\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/06\/bpm-538-web-340x225.jpg\" class=\"size-card w-full  m-0 aspect-[68\/45] object-scale-down wp-post-image\" alt=\"Late Start, Early Retirement: The Huge Advantages of Investing Later in Life\" title=\"\">\t\t\t<\/a>\n\t\t        \n\n\t\t<!-- Content Wrapper -->\n\t\t<div class=\"py-4 \">\t\n                            <div class=\"flex gap-4 justify-between items-center\">\n                    <!-- Category  -->\n                                            <a href=\"https:\/\/www.biggerpockets.com\/blog\/category\/biggerpocketsmoney\" class=\"transition-colors bg-themeBlue\/20 text-themeBlue-medium hover:bg-themeBlue hover:text-white px-2 py-1 mb-2 inline-block rounded-sm no-underline text-sm\" target=\"_blank\">BiggerPockets Money Podcast<\/a>\n                    \n                                            <span class=\"text-sm text-gray-500 hidden lg:inline-block\">42 min read<\/span>\n                                    <\/div>\n            \n           <div class=\"flex gap-3 items-center my-2 flex-nowrap text-base\">\n                <!-- Avatar and Author Name -->\n                <img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/f12d39d967a9240ba1c9b64f33a1b09f594d85f2c5e7aae8170aa6e1f24bf8cf?s=150&#038;d=mp&#038;r=g\" class=\"w-8 h-8 object-cover my-0 inline-block rounded-full\" alt=\"\" title=\"\"><span class='leading-snug text-slate-500 flex items-center'><span class='hidden whitespace-nowrap sm:inline-block md:hidden lg:inline-block pr-1'><span class='posted-on'><time class=\"entry-date published\" datetime=\"2024-06-18T00:01:12-06:00\">Jun 18, 2024<\/time><time class=\"updated\" datetime=\"2024-06-20T10:35:54-06:00\">Jun 20, 2024<\/time><\/span><\/span>&nbsp;<a href=\"https:\/\/www.biggerpockets.com\/blog\/contributors\/the-biggerpockets-money-podcast\" class=\"no-underline line-clamp-1\" target=\"_blank\">The BiggerPockets Money Podcast<\/a><\/span>            <\/div>\n\n            <!-- Post title -->\n\t\t\t<h2 class=\"entry-title js-toc-ignore mt-4 mb-0 text-xl leading-snug text-left\">\n\t\t\t\t<a href=\"https:\/\/www.biggerpockets.com\/blog\/money-538\" rel=\"bookmark\" class=\"whitespace-normal no-underline font-bold  text-slate visited:text-slate hover:text-themeBlue\" target=\"_blank\">\n\t\t\t\t\tLate Start, Early Retirement: The Huge Advantages of Investing Later in Life\t\t\t\t<\/a>\n\t\t\t<\/h2>\n\t\t\t\n                        <p class=\"text-lg font-normal mt-3 text-slate-500 mb-1 line-clamp-3\">Are you a late starter who wants to reach retirement (or early retirement)? Then we\u2019ve got just what you need! We\u2019re back with Bill Yount and Jackie Cummings Koski from&hellip;<\/p>\n\t\t<\/div>\n\t<\/header>\n     <footer class=\"flex justify-between mt-auto\">\n        <!-- Comment Count -->\n        \t\t<span class='flex items-center space-x-2 text-sm' x-cloak x-data='commentCount()' :class=\"parseFloat(commentCount) < 1 || commentCount == '' ? 'hidden' : 'flex'\">\n\t\t\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"h-5 w-5 text-slate text-opacity-50\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M17 8h2a2 2 0 012 2v6a2 2 0 01-2 2h-2v4l-4-4H9a1.994 1.994 0 01-1.414-.586m0 0L11 14h4a2 2 0 002-2V6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2v4l.586-.586z\" \/>\n            <\/svg>\n\n            <span x-ref=\"comment_count\" class=\"disqus-comment-count text-slate text-opacity-80\" data-disqus-identifier=\"174193\">\n\t\t\t\t\t\t\t<\/span>\n        <\/span>\n\t    <\/footer>\n<\/article><!-- #post-174193 -->        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  ","protected":false},"excerpt":{"rendered":"<p>NFTs are one of the strangest\u2014and most interesting\u2014blockchain developments. Here, we break down the details and explain what investors should know.<\/p>\n","protected":false},"author":613559,"featured_media":137612,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7119,5182],"tags":[7241,7225,2526],"class_list":["post-137546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-biggerpockets-daily","category-personal-finance","tag-financial-literacy","tag-money-comm","tag-personal-finance"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/137546","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/613559"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=137546"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/137546\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/137612"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=137546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=137546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=137546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}