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If you ask aspiring real estate investors what’s holding them back, the answer is typically going to be about money. Many people are so intimidated by making a down payment for rental property that they never bother to research financing options or even start saving. While this is understandable, investors must take that first step to achieve success through real estate. Read through the following guide and learn how to start saving for your first rental property today.

[ New to rental real estate investing? Take a 60-minute online training class and learn how to buy your first cashflowing rental, step-by-step! ]

Down Payment For Rental Property Requirements

A down payment between 15 and 25 percent of the purchase price will typically be required for a rental property. The amount will vary based on the type of financing being used for the investment. When it comes to traditional financing, many investors assume they need to put 20 percent down; however, this rule is actually for homebuyers hoping to avoid private mortgage insurance. If investors opt for traditional lenders when purchasing a rental property, several financial requirements will determine the expected down payment.

Investors who work with a private money lender or nontraditional financing method, on the other hand, will encounter more flexible loan requirements. These lenders will set the loan terms with the borrower (and investment property) in mind, potentially leaving room for smaller down payment requirements. Therefore, investors should research financing methods to get an idea of the minimum down payment they will need and start there.

Factors That Affect Down Payment Amount

Investment property down payment requirements will vary depending on several factors related to an investor’s financial standing. When setting down payment requirements, most lenders will look at an investor’s debt-to-income ratio and credit score. For example, investors with a credit score above 700 may be able to make a down payment as low as 15 percent. On the other end of the spectrum, investors with a credit score below 640 should be prepared to make a down payment of around 25 percent.

Another factor that can influence the amount required for a down payment is whether the investor plans to live in the property or not. Investors who purchase a duplex or multifamily property and live in one of the units may be able to contribute a smaller down payment. Financing options like an FHA loan allow investors to put as low as 3.5 percent down on a primary residence with up to four units. Essentially, the down payment amount will depend on an investor’s financial background, lender requirements, and the overall investment type.

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How To Come Up With The Down Payment For A Rental Property

The decision to purchase a rental property is not typically made overnight. Aspiring investors should spend time weighing their options, and perhaps more importantly: getting their finances in order. The first step is to take stock of your current financial standing. Start by creating a monthly budget and tracking your expenses and income over the course of several months. Pull a copy of your credit report as well. Do not be intimidated by your starting point; instead, use it to motivate your future financial goals.

After you establish your current situation, begin looking for new opportunities. Where does the majority of your money go? How much are you contributing to your savings each month? Are you increasing or decreasing your overall debt? Examine each area and form better spending habits for yourself. It may help to set limits within your budget or add an automatic transfer to your savings account on a monthly or bi-monthly basis. Developing sound financial habits will take time, but doing so will help you long after purchasing your first rental property.

Forming better spending habits will get you on track to save up for a down payment, but it is not the only thing you can do. Investors should also look for ways to increase their income in the meantime. Even a small boost will increase the amount you can save monthly, and in turn, speed up your investment timeline.

Funding Sources For An Investment Property Down Payment

There are multiple potential options to fund an investment property down payment. Many investors find that portfolio lenders are a great opportunity to start. A portfolio lender is a type of private lender who offers to finance certain investments. Portfolio lenders are more accepting of smaller down payments when compared to traditional mortgage loans. They typically do this in exchange for a somewhat higher interest rate.

Other funding options for an investment property down payment include a Fannie Mae or Freddie Mac loan. These options are typically associated with more straightforward lending requirements, including a minimum credit score, and verified debt-to income ratios and loan-to-value ratios. However, both Fannie Mae and Freddie Mac loans are reliable forms of financing and each have down payment requirements somewhat lower than a mortgage for a primary residence (depending on the number of units).

Other Tips For Financing A Rental Property

The most straightforward way to come up with the down payment for a rental property is by evaluating your financial habits and adjusting accordingly. However, any existing assets can benefit your portfolio as well. Here are a few creative ways to finance a rental property:

[ New to rental real estate investing? Take a 60-minute online training class and learn how to buy your first cashflowing rental, step-by-step! ]

Getting Approved For An Investment Property Loan

There are a few steps you can take before applying for an investment property loan that might boost your chances of approval (or, at the very least, help you secure more favorable loan terms). One of the first things lenders will ask for is your credit score. If you are planning on purchasing an investment property in the future, take some steps now to boost your credit score as much as you can. This could include paying off other debt, submitting all payments on time, and keeping your balances low.

Lenders will also request information about your debt to income ratio (DTI). Most lenders will want to make sure your debt doesn’t take up more than 45 percent of your monthly income. Similarly, lenders will also want to know how much money you have in your cash reserves. This essentially means how much money you have access to after making the down payment. The reason lenders request this information is to make sure you can continue making mortgage payments, even if there are vacancies in your investment property.

Summary

Owning a rental property is a great way to supplement your primary income, save for retirement, or even start an investing business. Whatever your reasoning is, do not lose sight of it as you get started. Many aspiring investors will make the mistake of giving up too early because they are discouraged by their finances. Purchasing your first rental property will be challenging, but it can be done with the right practices. If you are interested in investing, implement a few of the tips above and start saving up a down payment for rental property today.

What is your best piece of advice for saving up a rental property down payment? Share your advice with fellow investors in the comments below.

New to rental real estate investing?

Click the banner below to take a 60-minute online training class — and learn how to buy your first cashflowing rental, step-by-step!

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Depreciation has become synonymous with the reduction of an asset’s value. As a result, most homeowners have come to resent the idea of depreciation. Who doesn’t hate the idea of their assets losing value?

What many property owners do not realize is that depreciation can actually lead to significant tax benefits. When tax season rolls around, homeowners can use this information to secure deductions and reduce their overall tax burdens. The following home depreciation calculator can tell you how much money you can save on your deduction. Keep reading to learn more.

[ Thinking about investing in real estate? Learn how to get started by registering to attend a FREE online real estate class from expert real estate investors. ]

What Is House Depreciation?

House depreciation is the cost deduction process used when buying or improving rental properties. Effectively, you can lower your tax liability by deducting expenses from your earned rental income. Home depreciation divides the deduction across the property’s lifespan rather than subtracting a larger, single deduction at the time of purchase or improvement. Again, as the IRS has specific house depreciation rules, it is essential to know how the home depreciation process works.

It is worth noting, however, that depreciation isn’t your enemy; it’s just misunderstood. Rental property depreciation is one of the most significant benefits awarded to qualifying passive income property owners. You see, the Internal Revenue Service (IRS) allows qualifying property owners to write off a portion of the asset’s initial cost each year in the form of “depreciation losses.” Therefore, qualified owners are allowed to recoup a portion of the initial cost of the home every year for as many as 27.5 years. Perhaps even more importantly, said deductions could reduce an investor’s tax obligations come tax time. The more they write off, the less they will have to pay in taxes.

How Does Property Depreciation Work?

To understand how depreciation works, you need to understand the rules set by the IRS. First, property depreciation can only be claimed if it is used for a business purpose, not for personal use. You or your business must be listed on the deed as the owner of the property. Items (excluding furniture) can depreciate, but they must have a determinable life span of over one year. The land that a property is on does not depreciate, but items such as new trees or plants near the property can depreciate. You can depreciate a rental property after it has been purchased and renovated and is available to be rented out. You can also take depreciation on a rental property if there is a period between tenants where repairs must be made to the property.

Kerry Sherin, Consumer Advocate at Ownerly, suggests that “depreciation is the reduction in value of a property over time. There are many factors that contribute to the value of your property. Many factors will need to be considered, including the current market, the condition of the home, and any changes to the neighborhood. Depreciation is influenced by the fair-market value of the home”.

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How To Calculate Property Depreciation

To use a home depreciation calculator correctly, you must first identify three fundamental indicators: the property’s basis, the duration of recovery, and the method in which you will depreciate the asset. Here is how to use a property depreciation calculator step-by-step:

1. Identify The Property’s Basis

First things first, the property’s basis represents the total acquisition costs incurred from buying the home. The basis may include settlement fees, closing costs, and other expenditures that came out of your own pocket at the purchase time (think legal fees, back taxes, and insurance). That said, not all costs count towards the basis, so be sure to consult a tax professional for a better idea of what may be included. The land the home is sitting on, for example, may not be included in the basis.

2. Separate The Cost Of Land & Buildings

You must determine the cost of the structure and not the land. You can use the fair market value of each at the time you acquired the property to estimate the value. Alternatively, you can calculate the figure on the estimated real estate tax values.

3. Determine Your Asset Depreciation Method

Next, you’ll need to determine which method you intend to use to depreciate the asset. There are two distinct recovery systems: the General Depreciation System (GDS) or the Alternative Depreciation System (ADS). GDS is the most common, but again, be sure to consult a tax professional before moving forward with this step.

The General Depreciation System will allow owners to depreciate a portion of their initial cost every year over a period of 27.5 years. The Alternative Depreciation System will allow owners to depreciate a portion of their initial cost every year over a period of 40 years.

4. Divide The Basis By The Duration Of Depreciation

Once you have all the necessary variables, you will need to divide the basis by the duration of depreciation allotted by the IRS. Once again, rental property depreciation may be complicated, so do not attempt to depreciate a home on your own. Always consult a tax professional.

5. Calculate Adjusted Basis

Certain situations that can happen between the period you purchase the property and the time it is available to rent may require adjustments to your basis. 

Increases in basis include the cost of any additions or improvements done before you place the property up for rent. These will include additions that have a useful life of at least one year, rehabilitations to damaged property, the cost of new utility services, and certain legal expenses.

Insurance payments received as a consequence of damage or theft, casualty loss not covered by insurance for which you claimed a deduction, and money received to grant an easement can all result in basis reductions.

How To Report Property Depreciation

Rental property depreciation can be reported on a Schedule E of Form 1040 when filing taxes annually. In certain cases, investors may need to use other forms or consult with a tax advisor. For example, if it is the first year the property was operated as a rental Form 4562 may be used to claim depreciation.

There are a few instances where depreciation cannot be reported, such as if the property was predominantly used as a primary residence and rented for 15 or fewer days. Consider depreciation deductions as you deduct other rental property expenses, like property taxes or insurance.

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Housing Depreciation FAQs

Homes absolutely depreciate. As a physical asset, time takes its toll on any and every home on the market. Perhaps even more importantly, that’s how the IRS sees it, too. The powers that be (the IRS) have been kind enough to offset said depreciation with an allowance of sorts.

Otherwise known as depreciation losses, the IRS is willing to give rental property owners “allowances for exhaustion, wear and tear (including obsolescence) of property.” According to their website, “You begin to depreciate your rental property when you place it in service. You can recover some or all of your original acquisition cost and the cost of improvements… beginning in the year your rental property is first placed in service, and beginning in any year you make improvements or add furnishings.”

1. Do Homes & Rental Properties Depreciate?

In the eyes of the IRS, they most certainly do. However, as I am sure you are already aware, homes don’t always depreciate in the actual housing market. More often than not, homes tend to appreciate — at least that’s what history suggests. Therein lies the greatest depreciation benefit of them all: phantom losses. Imani Francies, investing expert from Clearsurance, describes phantom income like this: “Phantom income refers to an investment gain that has yet to be realized through a cash sale or dividend. For a partnership or an individual, however, it still causes a tax burden. When an individual is taxed on the value of their interest in a partnership or any similar arrangement, even though they do not get any monetary benefits or payments, this is known as phantom income”.

Again, the IRS has already said it accepts that homes will depreciate over a 27.5 year period. As a result, qualifying rental property owners can write off a portion of the original cost each year, effectively reducing their tax obligations. However, home values typically rise over time. So while many rental property owners are allowed to claim depreciation, the actual value of their home may, in fact, increase over time.

2. How Much Does A Home Depreciate Per Year?

Homes depreciate 3.636% per year, on average, according to Investopedia. That number is reserved for homes placed in service for an entire year, however. Homes that were only placed in service for a portion of the year will only be allowed to depreciate a portion of the average compared to when it was in service.

3. What Factors Affect Property Value?

Seven factors affect property value more than anything else. And while the following factors are in no way representative of everything that influences a home’s value, they are perhaps the most important — the tent poles, if you will:

First and foremost, those looking to value a home properly will resort to their own sales history and the sales history of nearby comparables. That way, the valuation will be based on historic data and not something that is—at best—questionable. Next, a proper evaluation will consider the home’s location. Everything from the zip code, city street, and neighborhood all go into a proper evaluation. It is true what they say: real estate is all about location, location, location. Another prominent factor in valuing a property is the current state of the market. If for nothing else, supply and demand play a huge role in determining value. Low inventory levels, coupled with high demand, will certainly drive up prices. What’s more, prices can just as easily drop in the face of inventory surpluses without a demand. And finally, there’s the house itself. The size, style, age, and condition are all factored into a proper evaluation.

Countless factors go into properly determining a home’s value— too many to count even. The seven I hit on above are the most important and perhaps even the reason most homes tend to appreciate more often than not. At the very least, it’s these factors that combine to make deprecation losses even more rewarding for homeowners.

[ Ready to take the next step in your real estate education? Learn how to get started in real estate investing by attending our FREE online real estate class. ]

4. What Is The House Depreciation Rate?

The house depreciation rate will depend mainly on the system you intend to use, as there are two primary ways to calculate your own deprecation. If you depreciate your asset using the General Depreciation System, which lasts 27.5 years, “you would depreciate an equal amount: 3.636% each year as long as you continue to depreciate the property,” according to Investopedia. However, using the Alternative Depreciation System (ADS) will span upwards of 40 years and result in a subsequent house depreciation rate.

That said, using a home depreciation calculator to calculate your own home’s depreciation rate is no simple task. It is a complicated process at best and should be left to a trained tax professional.

5. What Is Accelerated Depreciation?

As its name suggests, accelerated depreciation suggests an asset is losing value at a faster rate. Or, as InvestingAnswers so eloquently puts it, “Accelerated depreciation is a depreciation method whereby an asset loses book value at a faster rate than the traditional straight-line method. Generally, this method allows greater deductions in the earlier years of an asset and is used to minimize taxable income.”

It’s important to note that accelerated depreciation takes place in the earlier years of an asset. As for rental properties, the earlier years are the first 27.5, at least according to the Modified Accelerated Cost Recovery System (MACRS). Created in place of the Tax Reform Act of 1986, the MACRS grants rental property owners the ability to depreciate their assets over a period of 27.5 years — the “early” stages of a property. That said, the entire process of depreciation is a product of accelerated depreciation.

6. How Do You Increase The Market Value Of A Property?

Learning how to increase the market value of a property, in addition to rental property depreciation, can really help a homeowner’s bottom line. That said, if you want to increase the perceived value of your own home, try implementing some of these projects that have some of today’s best return on investment (ROI):

7. What Are The Types Of Home Depreciation Calculators?

All physical assets, real estate included, depreciate over time, particularly in the IRS’s eyes. However, the depreciation deductions available will actually vary based on what the home is used for. For property owners, this means your potential tax savings will depend on the investment type. This information is important to consider as you evaluate the potential returns of different real estate deals. Here is an overview of the depreciation of houses by property type:

8. When Does Property Depreciation Start?

As soon as a property is ready to be utilized as a rental, depreciation deductions can begin. For example, if you purchase the property on January 1st, renovate it, have it ready to rent on April 1st, and finally find a tenant on May 1st, house depreciation would start on April 1st. While you do not collect rent from your tenant until May, house depreciation starts on the first day it is available for rent.

9. What Is “Useful Life” Of A Property

As mentioned above, the two systems for determining the useful life of a property are the General Depreciation System (GDS) and the Alternative Depreciation System (ADS). In general, you can choose which system you would like to use, but some businesses are required to use one or the other. However, once you choose, you need to stick with that system for as long as you claim depreciation on that property.

We already discussed useful life for residential properties, but it applies to nonresidential as well. Under GDS, the lifespan for a nonresidential property is 39 years, and 40 under ADS. Useful life does not apply to land because it cannot depreciate.

[ Do you want to know the deprecation rates for commercial real estate? Read this article to learn more ] 

Depreciation Recapture For Rental Properties

While there is not a “catch” to worry about when it comes to to depreciation deduction, property owners should be aware of recapture. Essentially, anytime the IRS doles out a benefit, such as a deduction, they will expect a return in the future, typically called a recapture. In the case of the depreciation deduction, this cost is incurred after the rental property is sold. Property owners will need to pay taxes on the amount of money they depreciated, or were allowed to depreciate regardless of whether or not they used the benefit.

Recapture should not deter you from accessing the depreciation deduction. First of all, you will be charged either way when selling a rental property. Second, the deduction can serve to reduce your income taxes while you own the property. It can also help you to avoid capital gains. These potential benefits should outweigh the cons when it comes to managing your real estate portfolio.

Summary

Systems such as a home depreciation calculator are currently put in place to make sure you are depreciating your own asset accordingly. To be certain, I recommend hiring a trained tax professional. You just might find it to be the one advantage you have been looking for.

Want to learn how to take advantage of the current opportunities in the real estate market?

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We have said it before and we’ll say it again: the key to being a successful entrepreneur is to never stop learning. Whether you are looking to diversify your portfolio or improve your existing business ventures, real estate finance books are a great place to start. By reading and learning more about the real estate industry, you can help ensure you are prepared to make any business decision that comes your way. No matter what your niche is, there are books for every investor. Keep reading to find out some of the best real estate finance books of the year.

The Best Real Estate Finance Books

There are countless books on real estate finance out there to help you get started, but these are some of the best at explaining financing for entrepreneurs at all levels:

The E-Myth Real Estate Investor: This book provides an excellent road map into real estate. I would recommend this to investors who are just starting on the journey to becoming an entrepreneur. It will provide an excellent framework of business operations and real estate financing. The book contains some great advice, so even if you are a more seasoned investor you can find value in it.

Getting The Money: The Simple System For Getting Private Money For Your Real Estate Deals: Investing can be intimidating, especially for those who believe they don’t have the initial capital to get started. One of my favorite things about this book is that it doesn’t just tell you where to find financing options, it tells you how to find them as well. This book contains excellent information on different types of investments and private money.

Insider Secrets To Financing Your Real Estate Investments: Do you like straightforward directions and organization? If yes, this is one of the best real estate finance books you can get your hands on. Frank Gallinelli provides checklists, proposals, and more to help you lay out everything you need when it comes to real estate financing.

The Millionaire Real Estate Investor: I would describe this as a handbook for real estate investors seeking financial freedom. Gary Keller collected advice from countless investors and put together a book full of real estate financing information. It outlines proven models and strategies, and it contains great mindset advice as well. This book is also a great team read, so be sure to pass the link along to your colleagues.

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The Top Commercial Real Estate Finance Books

Whether you have been involved in commercial real estate or are looking to expand your investment opportunities, these commercial real estate finance books offer great information:

Negotiating Commercial Real Estate Leases: A lot of real estate investment finance books fall into the trap of using too much legal jargon or technical terms. That is where Zankel comes in. This book breaks down commercial real estate basics in a way that’s understandable. He provides great information on economics and the language of clauses without over complicating things.

How To Succeed In Commercial Real Estate: If I had to describe this book in one word I would say comprehensive. It has an ethics-first approach to commercial real estate investing, and describes sales strategies, negotiation tips and listing information. It is one of the best books on real estate development out there. The author also has a quick, straightforward voice that makes complex topics easier to understand.

Value Added, Successful Strategies For Listing & Selling Investment Real Estate: This book is great for investors who worry that they’re getting too comfortable with where they’re at. Brad Umansky writes about the steps and skills needed to run the best possible commercial real estate deals, and uses personal experience to do so.

Commercial Real Estate Uncovered: This book acts as a reference guide and informational handbook, all in one. I appreciate the streamlined terminology, definitions and metrics used in the text, which makes it great for investors who may not have a background in commercial real estate. I would recommend this read to entrepreneurs who are looking for a primer on the world of commercial real estate investing.

Multifamily Real Estate Finance Books

Multifamily real estate finance books are not hard to come by, there’s a lot of information out there to help you get started. However, these are some of the books I’ve found to be most helpful if you work with multifamily real estate:

Multi-Family Millions: How Anyone Can Reposition Apartments for Big Profits: If you’ve been investing in single-family homes and are ready to take on new endeavors, this book provides a great outline for transitioning into multifamily real estate investing. Its step-by-step format makes it easy to read in increments so you can come back to it as needed.

Investing In Duplexes, Triplexes, And Quads: The Fastest And Safest Way To Real Estate Wealth: This book is good for both beginner investors and those looking to enhance their business opportunities. Larry Loftis uses his real estate investing experience to break down the financial benefits of multifamily properties in a way that’s both accessible and informative. I would highly recommend this read to anyone unfamiliar with real estate concepts as well; it does a great job of introducing real estate finance and investments.

The Book On Rental Property Investing:How To Create Wealth And Passive Income Through Smart Buy And Hold Real Estate Investing: While this book may seem intimidating at almost 400 pages, the information is essential for real estate investors looking to get started in rental properties. It contains practical strategies for building cash flow through rental properties and which obstacles to watch out for along the way. I appreciate the realistic timelines and goal setting throughout, as well.

Buy It, Rent It, Profit: This book is a great all-in-one book to approaching multi-family real estate. It contains information on everything from financing a mortgage to negotiating lease agreements. It even has forms and checklists to help you get going. Reading this book is great for those who appreciate clear instructions and can also make a good team read.

Summary

This list of real estate finance books is by no means comprehensive. One of the best aspects of real estate investing is the wealth of knowledge you can access, whether it be through books, online courses, podcasts, and articles. This guide provided a shortlist of some of the best available books to help you get started.

Real estate finance books can help open your mind to aspects of business you may not have understood or recognized otherwise. They can even help bring you up to speed on concepts or terms you may be less familiar with.

If you’re looking to save money and want to get some investment tips, you might be wondering how to plan your finances the best way. Investing always comes with a risk; you might not know the best ways to prepare for the future or what you should invest in.

Listening to podcasts is one way to get financial tips. Podcasts are often free and you can learn valuable information without paying to meet with a financial planner. Listening to and subscribing to a few podcasts can ensure you get the information

If you’re looking to save money and want to get some investment tips, you might be wondering how to plan your finances the best way. Investing always comes with a risk; you might not know the best ways to prepare for the future or what you should invest in.

Listening to podcasts is one way to get financial tips. Podcasts are often free and you can learn valuable information without paying to meet with a financial planner. Listening to and subscribing to a few podcasts can ensure you get the information you need and will also help you grow a portfolio.

Here are the 10 best investing podcasts:

1. The FortuneBuilders Real Estate Investing Show

The FortuneBuilders Real Estate Investing Show is about real estate investing. You can learn how to make more money and even invest enough to make sure you leave money for your kids and grandkids. This podcast is also aimed at helping entrepreneurs.

They have a weekly live show where you can learn how to start and structure a real estate investment business.

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2. The WealthFit Podcast

Add the WealthFit Podcast to your list if you want to be able to improve yourself and your business. Dustin Matthews is the host and it’s informative while also being funny and to the point. They have podcasts every week and you can learn how to maximize your income to ensure you are investing in every way you can.

The podcast also interviews some of the world’s top money makers, investors, and celebrity entrepreneurs.

3. Mad Money with Jim Cramer

Mad Money with Jim Cramer has weekly episodes where you can listen to 45 minutes of advice every week. Jim Cramer is the host and maker of the series and he guides the listeners through the ins and outs of Wall Street. His main goal is to help all his listeners become investors who make money.

He offers his opinions and features the well-known lightning round where he gives buy, sells, and holds advice on callers who call in and seek opinions on what they should do with their investments.

4. The Investor’s Podcast Network

The Investor’s Podcast Network features a network of different investors and hosts who all have extensive financial backgrounds. They spend time every week analyzing different topics, including investing news, cryptocurrency, and real estate crowdfunding.

They also discuss the different billionaires around the world and they analyze their thought processes and how they have been able to build their fortunes. Interviews include talking to some of the most famous billionaires, including Oprah Winfrey and Mark Zuckerberg.

5. Invest Like The Best

Invest Like The Best is more of a conversational show that also serves to let you know the best investing advice. All the hosts on the shows have been investors and tutors in the past so they know the right way to make you a successful investor.

They cover more than just traditional investing, though. They also cover cryptocurrency investments and private equity. You can also find advice on high-yield credit investing. The diverse topics make this podcast a good choice for beginner and advanced investors.

6. Motley Fool Money

This show by Motley Fool Money is mainly about the stock market implications. They also talk about business and financial news from around the world so you can understand what is going on in different countries.

They also do regular interviews with industry experts and authors that write about stocks and financial planning. The host, Chris Hill, also discusses stocks that are becoming popular, and he advises on what he thinks you should invest in.

They release a show every Friday with bonus episodes on Tuesday. The episodes are about 40 minutes, giving you just enough time every week to learn about stocks and investments.

7. The Rich Dad Show

This Rich Dad show has a new episode that is released every Wednesday and is about an hour long. Robert Kiyosaki sits down with many different professionals, including those in business and investing. They provide advice for people to be able to set themselves up for financial success. They discuss many different topics, including clean energy, gold, and cryptocurrency.

8. Money for the Rest of Us

Money for the Rest of Us is designed to help you make your own investment strategies and portfolio without needing help or assistance from a financial planner. Some people like to use the DIY approach when it comes to investing and this podcast is best for those that want to forge their own way.

It’s hosted by David Stein, a financial expert. He wants to help everyone invest money in the areas they are interested in while also helping them save for important life goals like retirement.

The podcast also covers important investing issues like asset allocation, how to invest with inflation, and how to invest during the current shortages. It’s an all-around podcast for all your investment and financial planning needs. The main goal is to help you take control of your money.

9. Sound Investing

Depending on your age and the stage of your life you’re in, you might not invest your money in the same way as other people. Sound Investing tells you how to invest your money while also navigating different life stages.

They also go over how to invest money as a way of getting financial freedom so that you are not surrounded by debt or other financial obligations. It will go over goals you need to have during each stage of life to make investing and saving money easier.

10. We Study Billionaires

Turn into We Study Billionaires every Saturday for about an hour to listen to interviews and commentary from famous personalities like Howard Marks and Warren Buffet. This podcast is a part of the Investor’s Podcast Network and has over 30 million downloads.

Most of the interviews feature tips on how to get into the stock market as well as the best investment strategies to use to make the most out of your money when putting it into stocks. You can learn important lessons from people that have been investing for decades.

Summary

There are many options to choose from, but this is our list of the best investing podcasts. Some might prefer one more than another, depending on your financial goals and how long you have been investing. Overall, there is something to learn from each of the podcasts.

You can focus on one or you can listen to a few. Most podcasts have an episode released every week, so you can plan your schedule for a new episode to listen to while exercising, working, or driving. You will learn everything from money management to risk analysis to current events.

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