MB498: Unlock the $40 Trillion Secret Hiding in Retirement Accounts - With Kaaren Hall

Did you know there’s more than $40 trillion sitting in U.S. retirement accounts — most of which could be invested in real estate? In this episode, Michael Blank chats with Karen Hall, Founder of uDirect IRA and author of The BiggerPockets Guide to Self-Directed IRA Investing, to break down the rules, tax implications, and best practices that allow investors to use their retirement funds to participate in real estate syndications. Whether you're a GP raising capital or an LP investing passively, this conversation will help you unlock one of the biggest capital sources in the world. Key Takeaways: There is $40 trillion in retirement accounts — a huge capital pool most investors overlook. Self-directed IRAs can invest in syndications, rentals, notes, crypto, precious metals, and more. The IRS has prohibited transaction rules — keep investments arm’s length to avoid penalties. UBIT/UDFI taxes can apply when leverage is involved — tax advisors are essential. A solo 401(k) can reduce some debt-related tax exposure. Recent laws may allow employer 401(k)s to include alternative investment funds, opening the door wider. Always ask investors: “Do you have retirement funds?” — because most won’t think of it themselves. Connect with Michael Facebook Instagram YouTube TikTokResources TheFreedomPodcast.com  Access the #1 FREE Apartment Investing Course (Apartments 101) Schedule a Free Strategy Session with Michael's Team of Advisors Explore Michael’s Mentoring Program Join the Nighthawk Equity Investor Club Review the Podcast on Apple Podcasts Syndicated Deal Analyzer Get the Book, Financial Freedom with Real Estate Investing by Michael Blank  For full episode show notes visit: https://themichaelblank.com/podcasts/session498/