I am a Real Estate Investor, Entrepreneur,  Author, and Speaker. I purchased my first apartment building at just 18 years of age while still at university. After graduation , in my position as an actuary, I was dismayed to see hundreds of company pension plans being rolled over into 401(k)s shifting the retirement risk to employees. This made me reconsider traditional beliefs about retirement saving. It also made me question my role as an actuary so I joined the lucrative technology industry. A few years later I lost a fortune during the Dot com crash of 2001 and I started looking for ways to earn passive income and stop trading time for money. I started various businesses, including a gourmet sauce company, but eventually came back to my first love real estate investing and formed MartelTurnkey. After just four years of rapid success I was able to retire from my day job. Now I want to share what I’ve learned so you don’t make the same mistakes I did.