If you want to be financially free and never worry about money again as well as set your kids up forever, follow my double duplex strategy. Before you get married, you and your fiancé each use your seperate FHA Loans to purchase a duplex, because after you get married you are seen as one entity and will only qualify for one FHA loan. This will allow you to both take advantage of the low down payment option and have 4 rental units paying you passive income forever. This is the easiest way to get started in real estate and become a rich family quickly. Becoming home owners in this way, will guarentee you are financially successful and never need to worry about how your 9 to 5 job is going.