This page just keeps getting longer!
Our goal is to raise $360,000 in Energea. Using the 12% IRR, this provides us more than the $40,000 per year we need for financial independence. In no particular order, here is our ever growing list of why we chose to ride Energea all the way to FI:
$100 Minimum Investment – This is an amount my family can scrounge up. It made it easy for us to open a new account (especially with the referral bonus), and it’s been fun to find creative ways to avoid spending so that we can add additional $100 investments.
June 2020 – This is when Energea’s online platform launched. About half of all businesses fail within the first 5 years. Writing this in 2026, they are over 5 years old and are growing.
Customer Service – We have interacted with Energea multiple times, mostly with Tyler and Grey. Every single time we have received a fast and friendly response that I can actually understand. A rarity today that really stands out to us.
Transparency – As an investor, we receive updates monthly and have webinars quarterly. We like keeping our finger on the pulse of our investments, and everything is easily available for us to do so through their app, websites, or talking with customer service.
Management Tools – The Energea app and website are in a league of their own, allowing you complete access to your investments, history, the ability to view the different portfolio assets to see how an array is producing that day, and much, much more.
Inflation protection – Energea sells the power generated with contracts that “typically” adjust yearly for inflation. We dislike the idea of inflation (or fees) eroding earnings, so it’s nice to see this option to counter it.
Positive Impact – Right now, we can help the world through the development of clean and reliable energy.
Return On Investment – Wonderful returns from 7-14% IRR (our experience). The historical IRR is 12% (as of December 2025). A 12% return doubles your money every 6 years compared to a 3% HYSA which would take about 24 years.
Obtainable FI Goal – Using the 4% rule, we would need $1,050,000 to pull $42,000 a year from an index fund portfolio. Energea requires a $350,000 portfolio (at 12% IRR) to pull $42,000 a year, which, while still a mountain of money, is at least one we actually think we can get to the top of.
Three-year Holding Period – For long-term investors, this is music to our ears. We want to be invested long term, so staying invested for three years or facing a 5% penalty is moot. We want to be surrounded by like-minded investors, and this eliminates unnecessary turbulence caused by speculators.
Monthly Distributions – This allows our money to grow faster (when reinvested) and creates options to allow payouts to be invested in other portfolios. Once our RideToFI is done, we can use these monthly distributions for our expenses, without selling shares.
Debt Free – Energea is completely debt free (as of December 2025). Unless you are Warren Buffett, all debt is bad debt.
Real Assets – We are buying ownership of physical arrays, which have real, identifiable value.
Inheritance – Energea contracts are for 20 – 30 years. What heir wouldn’t love receiving a portfolio that pumps out monthly income?
Fun & Exciting – Making money is always fun, but Energea takes it to the next level. Between the app/website providing access to each array and in most cases what thar array is producing that day, to constantly getting news about new portfolio additions, to a stream of timeline, monthly, quarterly, and yearly updates that you can actually understand, what could be more exciting?