Joe Harper

23rd year appraiser; fifth year investor; State employee trying to replace earned income with passive income. Listen, there was sooo much that I didn't know about investing, even being around the biz all of my life. If I could say one thing: depreciation is your friend. DEPRECIATION IS YOUR FRIEND if you are a buy and hold person. It takes two years to see cash flow, just like any career move. You have to have $20K in the bank at all times to roll with the punches.