Income Over Wealth

How a self-directed IRA actually works: what it can hold, what it costs, and the rules that keep you safe.

Show Notes

This is the plain-English walkthrough of how a self-directed IRA actually works: what it can hold, what it really costs, and the prohibited-transaction rules that keep you safe. You'll see why operating a rental inside one is usually the wrong move, and why secured mortgage notes fit those same rules so well.

  • Why your IRA can legally hold real estate, private mortgage notes, and private loans, plus the short list of things it can't
  • The fee most people never see: how a "free" brokerage IRA can cost more than a self-directed custodian's flat fee
  • Why running a rental inside an IRA wastes depreciation, 1031 exchanges, and capital-gains rates, and what to hold instead

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=iMpuNi_MDQY

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

What is Income Over Wealth?

Practical retirement income strategies from Dan Wilson, an Air Force veteran with over 100 real estate deals. The audio edition of the Retire Early with Dan Wilson YouTube channel: Social Security, taxes, withdrawal strategy, and turning what you've saved into steady income you can retire on. New episodes every Tuesday and Saturday.