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GOBankingRates’ editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services – our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines<\/a> and our products and services review methodology<\/a>.<\/p>\n 20 Years Trusted by You don\u2019t need a seven-figure salary or a secret investing trick to retire like a multimillionaire.\u00a0In fact, most of the heavy lifting comes from a handful of smart, repeatable money moves that quietly do the work over time.\u00a0<\/p>\n GOBankingRates spoke with Joseph Keshi, CEO of Keshman Property Management<\/a>, and JZ Tay, founder of WFH Alert<\/a>, about the financial decisions that can save you a ton of money<\/a> and put you on a path that looks a lot more \u201ccomfortable retirement\u201d than \u201cfingers crossed.\u201d<\/a><\/p>\n Choosing Thrift Over Lavishness<\/p>\n \u201cI chose thrift over lavishness; no lifestyle creep<\/a>, no personal debt, no speculations, no passivity, no silent partners, no high-priced consultants, while keeping an eye on preserving assets all for my safety, income, liquidity, control, sleep option, freedom, and stability,\u201d Keshi said.<\/p>\n That mindset wasn\u2019t about deprivation; it was about intention.\u00a0Every dollar kept flexible meant more room to maneuver, fewer sleepless nights, and less dependence on outside opinions or fragile assumptions.\u00a0<\/p>\n By avoiding excess and complexity, decisions stayed clear, risks stayed visible and progress stayed steady.\u00a0Over time, those quiet, unflashy choices compounded into something far more valuable than appearances: confidence, resilience and options.<\/p>\n Prioritizing Debt-Free Growth Over Flashy Upgrades<\/p>\n \u201cI also opted to eschew home equity splurging through refinancing, grow properties debt-free with income tenants,\u201d Keshi said.<\/p>\n Keshi explained that he has always been content with sustainability in marginal living expenses combined with consistent rental income, rather than buying status symbols like luxury cars or newly built houses.<\/p>\n By keeping leverage low and expectations realistic, each property became a stabilizing asset rather than a pressure point.\u00a0Cash flow, not appreciation hype, set the pace, allowing growth to happen steadily and on his own terms.\u00a0<\/p>\n That restraint reduced vulnerability during market swings<\/a> and preserved flexibility when opportunities or challenges arose.\u00a0In the long run, skipping upgrades that impressed others helped build something far more enduring: dependable income, long-term control and peace of mind.<\/p>\n Staying Financially Hands-On and Clear-Headed<\/p>\n![\"\"](\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-20.svg?webp=1&quality=75\"){kind=icon}
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