Adam’s Takeaway: Adam had several takeaways. 1) Don't give up on something you believe in. 2) Contribute to your retirement no matter what. Trust compounding. 3)The retirement system is built to help you win, but you need to be more than most. Learn the rules, invest with care, and let your money grow.

In today’s episode of Pivotal REI, Ginny Bolling talks with Adam Bergman about self-directed retirement accounts. Adam explains that some IRAs and 401(k)s can be used to buy real estate and other assets. He shares the basic rules investors need to know, including why you cannot use retirement funds to buy a home for yourself or help close family members. You’ll hear why a Roth IRA can be a strong long-term tool, what checkbook control means, and why the right loan matters when buying property. Adam also explains UBIT, a tax that may apply when an IRA uses debt. This is a practical conversation about building wealth with care, choosing investments you understand, and following the rules. Like any real estate deal, good planning and the right team can help protect your money.

Adam Bergman, Esq., is a tax and ERISA attorney, author, and the founder of IRA Financial. After working with major law firms and seeing that many investors felt boxed in by traditional retirement options, he launched IRA Financial in 2010 to give people more control over their retirement planning. Adam holds a Master’s in Tax Law and has written nine books on self-directed retirement strategies. He also hosts The Self-Directed Investor and Adam Talks, where he makes complex tax and retirement topics easier to understand. Through his work, Adam has helped thousands of investors and business owners make more informed decisions about their long-term financial future.

Reach out to Adam Bergman:
Website: https://www.irafinancial.com/
LinkedIn: https://www.linkedin.com/in/adambergman1/

---

Connect with Ginny Bolling on LinkedIn https://www.linkedin.com/in/ginnybolling

Pivot to Prosperity is a podcast that is sponsored by Pivotal Real Estate Investments, which focuses on helping investors build wealth and income through commercial real estate that improves communities. To learn more, visit www.PivotalREILLC.com

Subscribe on your favorite podcast app so you never miss an episode.

To watch other episodes, go to https://www.youtube.com/@PivotalREI