Millennial become millionaire via housing hacking and index funds

Todd Baldwin, a millennial investor, became a millionaire in his 30s by combining real estate and index fund investments.

He bought a six-bedroom house near Seattle for $506,000 and rented out rooms, generating $1,500 monthly cash flow.

His net worth crossed $1 million by age 25, and by 28 he left his six-figure job to focus on real estate.

In 2019, he bought a duplex for $900,000, rented it on Airbnb, and sold it in 2026 for $1.5 million.

In 2021, he invested over $1 million in Vanguard's S&P 500 ETF (VOO), earning $800,000 so far.