@Gary Carver I don’t think anyone is saying there isn’t money to be made by savvy investors with local market knowledge, boots on the ground, experience dealing with high-maintenance tenants, and sophisticated or brute force rent collection techniques.  

My favorite investing strategy is the BRRR technique and one of the most affordable ways to purchase is the House Hack on 3-4 unit multi-unit properties. 

Dave Ramsey's debt-payoff program is second to none and a technique that 99% of the population would do well to follow.