Carolyn Blosil, I’m a musician, a marathon runner, a mom of 8, and an MPI Certified Advisor. Eight years ago, my husband was fully employed, and I worked three part time jobs. And we weren’t getting closer to our retirement goals. Working harder wasn’t the answer. I needed more knowledge. I began learning and investing in real estate with the intent to create retirement income through paid off rental properties. Real estate wasn’t simplifying my life; it was time consuming, risky, and complex. While attending a real estate seminar, I met an unlikely speaker named Curtis Ray, who had just authored a book Everyone Ends Up Poor. When I heard the words “simple, safe, and secure” for retirement income, it resonated with me. Everything up to that moment was anything but simple, safe, and secure.