Our Blog

Escaping the Middle-Class Trap: A Real Plan to Retire Before 60

I’ve spent most of my adult life doing what I thought was smart. I got a good job. ...
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Peter Civitarese standing confidently, real estate investor and founder of Ayertime.ai, sharing his journey of using a HELOC and 401k loan to buy a rental property

Building Wealth with What You Have: How a HELOC and 401(k) Loan Helped Me Buy a Rental Property

About two and a half years ago, I made one of the best financial decisions of my life ...
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Be Careful What You Wish For… (or How Writing a Good Prompt Can Save You from a Genie’s Tricks)

Ever wonder how a genie might twist your wish into something you technically asked for—but absolutely didn’t want? ...
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Retirement Game-Changer: My BRRRR Strategy That Built Wealth One Property at a Time

What is BRRRR? BRRRR Strategy is a real estate strategy that helps you grow your rental property business ...
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Download Our Free Step-by-Step Guide to Building a Custom GPT

Ayertime Custom GPT EBOOKDownload
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Unlock the Power of Your HSA for Retirement and Wealth Building

Most people think Health Savings Accounts or HSA for Retirement are just for paying medical bills. But I ...
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ChatGPT: Your Virtual Contractor and Legal Assistant

I recently had a problem with a contractor. The work wasn’t done right, and I didn’t know what ...
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ChatGPT for Beginners: Simplify Your Everyday Life

Artificial Intelligence, or AI, is starting to be part of our everyday lives. You may not even notice ...
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Notebook LM

Crafting Accurate and Engaging Podcasts with Notebook LM

If you want to create fun, clear, and engaging podcasts or audio stories, you should try Notebook LM. ...
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Why Peter Might Choose a Roth Conversion Strategy – Why It Could Make Sense for You Too?

I recently gave Peter some advice on a retirement strategy that I think could benefit many of you ...
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401K Investing for Kids

401K Investing for Kids : Easy Start to Smart Saving

When my kids were younger, I wanted to teach them how to be smart with money. I didn’t ...
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Meet Ayertime’s AI-Generated Visionary

Christopher Ayers isn’t just a brainchild—he’s a full-blown mastermind ready to disrupt real estate, artificial intelligence, and retirement ...
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Living Smarter in 2025: Balancing Retirement, Real Estate, and Technology

Guess who’s dusting off their Facebook account for 2025? That’s right, I’m back—and no, I’m not here to ...
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