The Queen of My Life…and the Queen of My Finances

In my world, there are two queens.

The first is the queen of my life—my wife. She’s the center of everything that matters: family, love, purpose, and the joy that makes this entire journey worthwhile. From medical school to residency, early mornings with crying babies, late-night real estate phone calls, and our shared dreams for the future—she’s been there. My anchor. My motivator. My biggest why.

But then there’s the second queen—one who rules a different domain with spreadsheets, strategy, and steely precision: my accountant.

Why You Need a Financial Queen

Most people wait until after training to invest, but I jumped in during residency. I made my first real estate purchase while still in scrubs. My entrepreneurial side—shaped by my dad and years of side hustles—pushed me to take action despite the fear. I poured myself into learning: books, podcasts, research. I narrowed down my strategy and started acquiring properties before I even finished training.

That early portfolio included single-family homes, duplexes, and even a self-storage facility. I focused on strict underwriting, risk-aware decisions, and building a solid team. I wasn’t trying to get rich quick—I was just trying to do it smart.

Real Estate with Purpose

Your accountant shouldn’t just show up once a year at tax time. They should be on the front lines with you. Every. Single. Move. My accountant is looped in on:

• Loan repayment strategy – She helped me optimize my cash flow and advised when to refinance vs. when to invest.

• Big purchases – Cars, pools, home renovations… everything is run through a tax-efficiency filter.

• Investment decisions – She analyzes real estate underwriting, cost segregation studies, and capital stack strategies like a sniper.

• Entity formation – With every deal, she evaluates the right structure: LLC, S-Corp, partnership, trust. Nothing is off the cuff.

• Deductions planning – She builds the blueprint for how we’ll use accelerated depreciation, mileage, home office deductions, and more to minimize tax.

We lean hard into REPS (Real Estate Professional Status), which allows us to take massive depreciation losses against active income. Last year, that strategy helped us reduce our tax burden to under 10%—legally and strategically. But the magic isn’t in the depreciation. It’s in the planning. And that planning starts with a great accountant.

If You’re Not Consulting Your Accountant for Vacation Plans, You’re Doing It Wrong

Seriously. Want to take a vacation and write part of it off? Want to document your new business-related camera setup? Wondering how your next home renovation might impact your HELOC strategy or tax footprint?

Loop. Them. In.

Your accountant is not an expense—they’re an asset. A profit center. A real-deal strategist who can literally save you six figures if you trust the process and bring them in early.

Final Thoughts

Just like my wife makes my life work, my accountant makes the numbers work. One gives me meaning; the other gives me margin.

Get yourself both. And treat them like the royalty they are.

Want to learn how I used real estate and tax strategy to create freedom without burning out in medicine?

Check out my online course—now $97 with a money-back guarantee: https://resources.realestateinvestormd.com/courses/offers/de453696-6043-405d-9aa0-d34ae59bdf2f

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