Real Estate: The Ultimate Kids’ Wealth Builder

Hey Wealthy Kids crew!

We all know real estate is one of the BIGGEST keys to building long-term, generational wealth. It’s a classic for a reason—people always need places to live and work, right? But here’s where I think we miss an opportunity: we think of real estate as an "adult-only" club.

Spoiler alert: It’s not.

Yep, kids can get in on the real estate game too. Now, I’m not saying your 10-year-old can stroll into the bank, apply for a mortgage, and buy a rental house (imagine that convo 😂). But there are real, tangible ways for kids to start building wealth through real estate right now—and trust me, it can be a total game-changer.

Let’s break it down:

👉 In Their Name:
Did you know your child can have real estate in their name if the property is fully paid off? It can also be gifted or inherited. Imagine your kiddo inheriting a house one day—that’s not just “nice,” that’s potentially life-changing. They could:

• Live in it (free housing—YES!)

• Rent it out (hello, income!)

• Sell it (cash-out!)

👉 Learning the Ropes Young:
You can buy a rental property when your child is little and manage it with them as they grow. Teach them how to be a landlord, how to handle repairs, how to keep great tenants—you name it. When they’re old enough, pass the baton! You might even refinance that property to pay for their college or help them buy their first business. Real estate opens doors (literally and figuratively).

👉 REITs & Crowdfunding:
Even if you’re not ready to buy a whole property, your kids can invest in real estate through crowdfunding platforms and REITs (Real Estate Investment Trusts). It’s a fantastic way to dip their toes in and start learning about passive income.

👉 House Hack at 18:
Okay, here’s my favorite scenario:
Your kid turns 18, heads off to college, and spends the first couple years in a dorm. Cool. But at 20? Instead of renting an apartment, they think like an investor (because you’ve been raising a mini-wealth builder, of course!). They buy a duplex in their college town.

• They live in one side.

• They rent out the other.

• Their tenant helps pay the mortgage.

And the best part? Because it’s their primary residence, they can usually get in with just 0–5% down—way less than the typical 10–20% for an investment property.

They’re building equity, saving money, and setting themselves up for their next move. Maybe after graduation, they sell it for a nice profit. Or they refinance and buy something bigger. Imagine them moving out and buying a quadplex with their future spouse—living in one unit and renting the other three.

Talk about an epic head start in life. 🙌

Bottom line? Real estate isn’t just an “adult” wealth tool. With some creativity, planning, and a little outside-the-box thinking, your kids can absolutely start their real estate journey early—and trust me, their future selves will THANK YOU.

Cheers!

Amanda