How Janette Was Able to Retire 7 Years Earlier Than Planned

Janette is such an inspiration!  She started investing in real estate with one little house that she and her husband lived in at first and later decided to keep as a rental when they had kids and moved up.

Over time, she added to her real estate portfolio as well as to her retirement account.

Through our work together, she discovered that she could retire 7 years earlier than she had planned.

Whether you have investments already or you’re just starting out now, there’s a lot you can learn from her story.

Here’s how she did it…

First of all, I encouraged her to get crystal clear on her Financial Freedom Vision

What lifestyle did she want to have?  

And how much passive income would she need to pay for that lifestyle?

Janette loves to travel… a LOT!  

She’s also committed to a high level of nurturing self-care, from belonging to an amazing gym to getting regular massages.  

And it’s important to her to be able to be super generous and give money to people and causes that she believes in.

When she put actual numbers to all of it, the amount of passive income she needed was substantial, but she was surprised to find that it was still a bit less than she had imagined.

Next, she pulled together all of her financial information so she could get a clear snapshot of what her money was actually doing.

That allowed us to identify which investments were doing well and which “lazy assets” could be working harder for her.

For example, she had a rental property that wasn’t making much money so she decided to sell it and use the money from the sale to increase her positive cashflow.

In some cases, she decided it was worth it to pay off debt to increase positive cashflow and paid off the mortgage on another rental, which boosted her cashflow significantly.

With a clear picture of where she was and where she wanted to be, it was much easier for us to chart a course for her to get there.

And the same is true for you…

Even if you’re just starting out, it’s easier to manifest from a place of clarity.

With a clear vision, you can go farther and faster towards reaching your goals.

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Penelope Jane Smith is the premier financial freedom coach for women entrepreneurs and the go-to expert for some of the biggest names in the conscious business industry. More about Penelope. 


  1. TailWaggingWellness on August 12, 2022 at 4:16 pm

    It’s so great to see people succeed on this path! Nancy

  2. Kicki on August 15, 2022 at 3:11 am

    Having a Vision for your life is super important, how would you know what changes you have to do and what is right for you if you dont have a goal, dream or vision to aim for 🙏🤩

  3. Georgena Eggleston on August 16, 2022 at 3:00 pm

    The KEY is: A CLEAR Vision. Challenging for many. As I begin to consider retirement, what does that look like, sound like, feel like? Especially NOW with the Climate Challenges and inevitable life style changes for ALL of us………. Thank you and Janet for this thought-provoking blog!!
    ~Georgena Grace

  4. Skywalker Payne on August 21, 2022 at 2:18 pm

    Yes, I wish I had gotten this information a few years ago when I inherited money. We lived off of it for three years, but I should have invested in real estate here in Homer, Alaska I would have been set. Now, I’m still working.

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