The most creative money-saving strategies we heard from super savers and early retirees in 2025

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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Kathleen ElkinsSat, December 27, 2025 at 7:30 PM GMT+1 7 min readSuleyka Bolaños retired in her 30s alongside her partner, Jeff White, thanks to their real estate portfolio.Courtesy of Suleyka Bolaños and Jeff WhiteBI has talked to dozens of super savers, early retirees, and financially independent investors.One takeaway is that there are more ways to save than skipping your morning Starbucks run.Some of the most fiscally savvy individuals are using tax rules and housing strategies to save big.If you're looking to keep more of your money in 2026, the playbook goes well beyond cutting lattes or sticking to a budget.After speaking to dozens of fiscally responsible individuals throughout 2025 — from super savers to early retirees to financially independent investors — we rounded up the most creative advice we heard all year.If it worked for them, it could work for you.Physician couple Letizia Alto and Kenji Asakura are the founders of Semi-Retired MD.Courtesy of Letizia Alto and Kenji AsakuraLetizia Alto and Kenji Asakura started investing in real estate to supplement, and eventually fully replace, their incomes as doctors. Since buying their first investment property in 2015, they've expanded to more than 100 cash-flowing units, allowing them both to scale back in the hospital. They consider themselves "semi-retired," as they still work on their real estate portfolio and financial literary company, Semi-Retired MD.As they scaled up, the couple discovered major tax benefits that come with owning property.One particular tax strategy enables them to shelter their physician income by using an IRS designation known as "real estate professional status," or REPS.Typically, rental real estate losses are considered passive and can only offset passive income. For example, if you're working as an accountant and invest in real estate on the side, then the losses from your real estate business offset your rental income — but you can't take that loss and offset your accountant income. That's because they're two unrelated activities. However, if you're considered a real estate professional, it all becomes one big activity, and you can deduct rental losses against active forms of income, including W-2 and 1099 earnings.The savings can be significant.Say you earn $250,000 as an accountant, and you and your spouse run a rental real estate business that generates $150,000 in losses. If neither of you qualifies for REPS, you're taxed on all $250,000. However, if one spouse claims REPS, you can deduct $150,000 from your $250,0000 income, meaning you'll only be taxed on $100,000.To qualify for REPS, real estate must be your primary occupation, and you have to meet certain criteria each year, including: You have to spend more than 750 hours a year on real estate activities, more than half your working hours must be in real estate, and you have to materially participate in your rental activities by being involved with the day-to-day operations.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,929.94 -2.11 (-0.03%)Dow 3048,710.97 -20.19 (-0.04%)Nasdaq23,593.10 -20.21 (-0.09%)Russell 20002,534.35 -13.74 (-0.54%)VIX13.60 +0.13 (+0.97%)Gold4,552.70 +49.90 (+1.11%)Trending tickersBTC-USD Bitcoin USD 87,483.03 +286.63 (+0.33%)ETH-USD Ethereum USD 2,925.51 +4.44 (+0.15%)XRP-USD XRP USD 1.85 +0.01 (+0.41%)SOL-USD Solana USD 123.09 +1.05 (+0.86%)AEIS Advanced Energy Industries, Inc. 217.86 +0.63 (+0.29%)PortfolioSign in to access your portfolioSign inTop gainersELPC Companhia Paranaense de Energia 9.65 +0.79 (+8.92%)PSLV Sprott Physical Silver Trust 26.04 +2.08 (+8.68%)ZETA Zeta Global Holdings Corp. 20.70 +1.59 (+8.32%)CPNG Coupang, Inc. 24.27 +1.47 (+6.45%)XPEV XPeng Inc. 20.78 +1.21 (+6.18%)Top losersRGC Regencell Bioscience Holdings Limited 21.16 -3.44 (-13.98%)FLY Firefly Aerospace Inc. 23.34 -3.70 (-13.68%)TMC TMC the metals company Inc. 6.82 -0.80 (-10.50%)AAOI Applied Optoelectronics, Inc. 37.17 -3.83 (-9.34%)RGTI Rigetti Computing, Inc. 22.38 -2.13 (-8.69%)Most activeNVDA NVIDIA Corporation 190.53 +1.92 (+1.02%)TSLA Tesla, Inc. 475.19 -10.21 (-2.10%)PLUG Plug Power Inc. 2.0700 -0.0300 (-1.43%)ONDS Ondas Holdings Inc. 8.48 -0.65 (-7.12%)NIO NIO Inc. 5.10 +0.19 (+3.87%)Top economic eventsEarnings eventsMy earnings eventsEarnings events