财富构建策略 - 通过将20%至30%的收入持续投入增值资产，可以利用复利效应构建财富 [3] - 采用更智能、可持续的方式增长资金，而非依赖彩票等运气手段 [2] 税务优化与退休账户 - 充分利用401(k)/403(b)、罗斯IRA等主要退休账户进行税务减免 [4] - 高收入者可通过 mega backdoor Roth 或 solo 401(k) 等策略进一步优化 [4] - 健康储蓄账户具备三重税收优势 [4] 房地产投资 - 房地产是普通人能够以合理条件进行高杠杆投资的资产类别 [4] - 房屋黑客策略被认定为成本最低的房地产购买方式 [5] - 通过出租房产部分单元，利用租金收入覆盖抵押贷款及相关费用 [5][6] - 投资应聚焦于当前利率下能产生正向现金流的耐久性资产 [5] 企业所有权投资 - 投资小型、盈利且业务模式简单的企业是可行策略 [7] - 以2至3倍收益购买年收入30万美元的企业，若能精简运营，其回报可能超越十年指数基金投资 [7]

Investing in real estate may seem impossible if you don’t have big bucks. But there are ways to become a real estate investor, even if you’re not rich. Read on to learn about how non-millionaires can add real estate to their investment portfolios. 4 ways to invest in real estate if you’re not rich Real estate investing comes in many forms. You could invest in physical properties by buying properties to rent or flip. You could also take a passive investing approach using real estate investment trusts (REIT ...