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Passive Income

OPW (Other People's Work)

May 13, 20243 min read

"Financial freedom is about making your money work for you, so you can live life on your terms. It's not just retiring, it's achieving the freedom to choose whether to work or not."

Rise Capital Investments.


  • So you want to retire early?

What does that even mean?

Maybe you don't like the word "retirement" because you want to stay active and contributing in some way until well into your 90's. That's awesome, so let's just define the "retire early" term a little differently:

  • So you want Financial Freedom Work Optional Time Freedom?

That's more of a mouthful, but that's the beauty of financial freedom, YOU get to choose where, how, who, and why you spend your time.

Even if you want to keep working for a very long time, it's important to have the goal of "retirement" for when you become work optional. Most of our investors (okay, all of them) no matter what age they are, say, "I want to retire in about 5-10 years." For high income earners, this is a very reasonable goal to get your MONEY working FOR you so you can rethink how you want to live life.

  • When you no longer have to work because you need the money.

  • When you work because you love serving people, with money as a side perk.

  • When you have both time and money to give of yourself because you can.



Financial freedom happens when you no longer need to trade TIME for MONEY.

It happens when you start trading MONEY to make more MONEY, which saves you enough time that you can spend doing whatever fulfills you. It happens when you TRUST a small group of other people enough to run profitable businesses on your behalf with your capital.

Those other people working are using OPM (Other People's Money), meaning YOUR MONEY, to run the apartment buildings or the car wash or the oil field or whatever to create a win win where everyone gets served and paid.

Until you can RELY on OPW (Other People's Work) to invest with, if all the money you make is earned by you, you won't be able to retire. You'll lose the "optional" part of "work optional" because you'll be chin deep in your own business or job because you can't delegate to other business owners.

I know some very gifted business owners who could do a much better job with my invested cash than I can, especially if they are experts in a field that I'm only mediocre at.

I focus my active time on my top skills where I'll earn the highest return, and invest the rest with people I trust and can rely on to be amazing. It also helps with diversification to not be sinking all my money into my own deals, business, or sector.

It's letting go of control just enough to get what you want, which is financial freedom and life on your terms.

"If you want to go fast, go alone. If you want to go far, go together." --Pithy Proverb of Unknown Origin That Must Therefore Be True.


Learning to trust is tough. Indeed, so tough that it needs more than that last half of this newsletter. It needs an entire library, but we'll settle for at least one future issue of this newsletter.

Just remember, to get what you want you need to figure out how to give other people what they want. There are people who WANT to work hard using your money, and if you learn to trust a few to give up some control, you will be rewarded with a win-win scenario.

Investment StrategyReal Estate InvestingPortfolio DiversificationRisk ManagementPassive IncomeRetirement
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Emma Powell

Emma Powell is a seasoned commercial real estate investor specializing in multifamily properties. With a strong belief in the importance of knowledge and risk mitigation in investments, Emma has dedicated their career to mastering the art of passive real estate investing. Leveraging various financial tools, such as self-directed IRAs, 401(k)s, 1031 exchanges, dividend-paying whole life insurance, HELOCs, and discretionary income, Emma has successfully built a diverse portfolio while enjoying passive cash flow, tax advantages, and substantial returns.

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