BiggerPockets Money Podcast Paula Pant Quit Her Job with $25K (Now She’s FI in NYC)
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Apr 23, 2026 
Paula Pant, personal finance writer and founder of Afford Anything who reached FI largely through real estate, tells her unconventional path from a $32K job to financial independence. She recounts quitting with $25K, house-hacking a triplex, living FI in New York City, trade-offs of NYC life, and practical cost strategies for groceries, transit, and housing.
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If You Can Afford It Move Where You Want
- If you truly want to live somewhere and can afford it, go for it because life is short and waiting can lead to regret.
- Paula moved after the pandemic realization that experiences matter more than purely rational cost calculations.
High Rent Can Be Cashflow Neutral With Renting Hacks
- Moving to New York didn't raise Paula's monthly cash housing cost compared to her Las Vegas 15-year mortgage.
- Her NYC rent is $4,700 but a roommate pays $1,100, leaving Paula's out-of-pocket near $3,600—similar to her prior mortgage payment.
Building Amenities Replace City Spending
- Paula rarely leaves her building because it has extensive amenities including pools, studios, and a coworking area.
- That convenience reduces spending on transport, outings, and makes NYC living feel compact and affordable.