Want wealth that lasts, not luck that fades? In this episode, Whitney Elkins-Hutten shows how to protect principal by aligning goals with your timeline and risk tolerance, using cash-flowing debt funds for stability, and keeping liquidity for taxes and capital calls. She also explains estate planning moves that safeguard heirs and why real diversification means understanding the capital stack, not just assets. Press play to learn practical steps you can use today.

Key takeaways to listen for

• [04:18] How becoming an “accidental landlord” launched Whitney’s 20-year journey to investor education and financial freedom
• [08:34] Why knowing your goals, risk tolerance, and time horizon is more powerful than chasing returns
• [11:36] What a “plain-vanilla” debt fund actually does and how it can stabilize your portfolio
• [20:59] How to read the capital stack and uncover where risk truly hides in a deal
• [26:04] Why every investor needs liquidity rules for capital calls and peace of mind during market swings

• [15:40] Rehab Wallet
• [38:06] The ONE Thing by Gary Keller andJay Papasan | Kindle, Paperback, and Hardcover

Whitney Elkins-Hutten is the Director of Investor Education at PassiveInvesting.com and the founder of Ash Wealth. An accidental landlord turned educator, she began in 2002 with live-in flips, built a 40-unit single-family portfolio, moved into multifamily, and later became a general partner on multiple assets. A partner in $800M+ of real estate spanning multifamily, self-storage, and car washes, Whitney teaches busy high earners how to build tax-efficient, truly passive income. She’s the author of Money for Tomorrow and can be reached at passiveinvestingwithwhitney.com.

• Website: Ash Wealth | PassiveInvesting.com
• LinkedIn: Whitney Elkins-Hutten, MPH
• Book: Money for Tomorrow | Kindle and Hardcover

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