In today’s episode of the Money Ripples Podcast, I had the pleasure of speaking with Julie Holly, founder of Three Keys Investments.
Julie’s journey from a public school teacher to a successful real estate investor is inspiring, but what really stood out was our conversation about what it truly means to create legacy wealth—something far beyond just financial assets.
From Teacher to Investor: A Journey of Financial Independence
Julie started her career as a public school teacher, dedicated to helping young minds grow. However, after witnessing layoffs and pink slips being handed out, she had a realization—she couldn’t rely on the government or an employer to secure her financial future. She needed to take control. That’s when she turned to real estate investing.
What started as house-hacking (renting out parts of her home to cover expenses) eventually turned into full-scale commercial real estate investing. Today, Julie has been involved in nearly 1,000 rental units and helps others achieve financial security through strategic investments. But her mission isn’t just about making money—it’s about using wealth to create impact.
Legacy Wealth vs. Transferable Wealth
A major theme of our conversation was the difference between legacy wealth and transferable wealth. Most people think of legacy wealth as leaving behind assets and money for future generations. But as Julie pointed out, that’s only part of the picture.
Transferable wealth is about imparting knowledge, wisdom, and skills that enable others to thrive, regardless of their financial starting point. If all you leave behind is money, your family or successors might squander it. But if you leave them with the right mindset, tools, and education, they’ll know how to create and sustain wealth for generations to come.
The Ripple Effect of Financial Confidence
Julie and I also discussed the power of financial confidence. When parents are financially secure and have a solid plan, they can show up better in their relationships, careers, and communities. Money stress can cause tension, but financial confidence leads to a more abundant life—not just for the individual, but for everyone around them.
This is the core of what we do at Money Ripples: helping people achieve financial freedom now, not 30-40 years from now.
Creating Wealth That Lasts
So how do you create true legacy wealth?
Here are three key takeaways from our conversation:
- Invest in Passive Income Streams – Don’t rely solely on pensions or employer-based retirement plans. Consider cash-flowing assets like real estate or alternative investments that generate income now and in the future.
- Educate Yourself & Others – Wealth isn’t just about numbers in a bank account; it’s about financial literacy. The more you understand how money works, the better you can teach and empower those around you.
- Build Transferable Wealth – Instead of just handing down money, leave behind wisdom, strategies, and financial habits that help future generations sustain and grow their wealth.
The Conscious Investor Growth Summit
Julie also shared about the Conscious Investor Growth Summit, an exclusive event taking place in March 2025 in Coeur d’Alene, Idaho. Unlike traditional investment conferences, this event focuses on holistic growth, covering wealth, health, and mindset. It’s designed for investors looking to level up in all aspects of life.
If you’re serious about creating true wealth—not just for yourself but for future generations—this is an event you don’t want to miss.
Final Thoughts
Financial freedom isn’t just about money. It’s about living life on your terms and creating a legacy that continues long after you’re gone. Whether you’re just starting out or looking to expand your wealth strategy, now is the time to take action.
If you’re ready to take the next step, check out MoneyRipples.com to learn more about how we can help you create financial security and freedom today.
Make it a great and prosperous week!