Wil Ramos

Wil Ramos Wil Ramos | Real Estate Investor | Helping Everyday People Build Legacy Wealth Through Multifamily RE

05/29/2026

๐„๐ฆ๐ž๐ซ๐ ๐ž๐ง๐œ๐ฒ ๐…๐ฎ๐ง๐ ๐…๐ข๐ซ๐ฌ๐ญ

3โ€“6 months of expenses = peace of mind.

05/29/2026

๐Œ๐จ๐ง๐ž๐ฒ ๐‹๐จ๐ฏ๐ž๐ฌ ๐‚๐ฅ๐š๐ซ๐ข๐ญ๐ฒ

Every dollar needs a job.
Unassigned money disappears.

05/29/2026

๐’๐ฆ๐š๐ฅ๐ฅ ๐‡๐š๐›๐ข๐ญ๐ฌ ๐‚๐จ๐ฆ๐ฉ๐จ๐ฎ๐ง๐
Cancel a $20 expense โ†’ $240 a year โ†’ invested for decades = thousands.

05/29/2026

๐ƒ๐จ๐งโ€™๐ญ ๐‚๐จ๐ง๐Ÿ๐ฎ๐ฌ๐ž ๐ˆ๐ง๐œ๐จ๐ฆ๐ž ๐–๐ข๐ญ๐ก ๐–๐ž๐š๐ฅ๐ญ๐ก

A high salary doesnโ€™t mean financial freedom.
Wealth = assets that pay you.

05/29/2026

๐๐ž๐ญ ๐–๐จ๐ซ๐ญ๐ก ๐‚๐ก๐ž๐œ๐ค
Assets โ€“ Liabilities = Net Worth.
Track it closely.

05/29/2026

๐๐š๐ฒ ๐˜๐จ๐ฎ๐ซ๐ฌ๐ž๐ฅ๐Ÿ ๐…๐ข๐ซ๐ฌ๐ญ

Before bills. Before fun.
Savings come off the top.

05/29/2026

๐“๐ก๐ž ๐Ÿ“๐ŸŽ/๐Ÿ‘๐ŸŽ/๐Ÿ๐ŸŽ ๐‘๐ฎ๐ฅ๐ž
50% needs.
30% wants.
20% savings & debt paydown.

05/29/2026

๐Œ๐จ๐ง๐ž๐ฒ ๐Ÿ๐ŸŽ๐Ÿ
Earn โ†’ Save โ†’ Invest โ†’ Reinvest.
Thatโ€™s the wealth formula.

05/29/2026

๐’๐ฉ๐จ๐ฎ๐ฌ๐š๐ฅ ๐’๐ญ๐ซ๐š๐ญ๐ž๐ ๐ฒ ๐๐จ๐ฌ๐ฌ๐ข๐›๐ข๐ฅ๐ข๐ญ๐ฒ

In some households a spouse may qualify as a real estate professional. That can change how passive losses are treated. This is advanced planning. Get CPA guidance.

For education only. Consult licensed professionals. Investing involves risk. Make informed decisions.

05/29/2026

๐ƒ๐ž๐ฉ๐ซ๐ž๐œ๐ข๐š๐ญ๐ข๐จ๐ง ๐‘๐ž๐œ๐š๐ฉ๐ญ๐ฎ๐ซ๐ž ๐๐š๐ฌ๐ข๐œ๐ฌ

Depreciation taken during the hold can be recaptured on sale. Good planning matters. Some passive losses or carryforwards may help offset parts of the tax bill.

For education only. Consult licensed professionals. Investing involves risk. Make informed decisions.

05/29/2026

๐‚๐š๐ฉ๐ข๐ญ๐š๐ฅ ๐†๐š๐ข๐ง๐ฌ ๐€๐ญ ๐„๐ฑ๐ข๐ญ

Hold more than one year and your share of gain is usually long-term capital gains rates. Your GP executes the business plan. You stay entirely passive.

For education only. Consult licensed professionals. Investing involves risk. Make informed decisions.

Address

Miami, FL

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