Do you ever think "I'd love to invest in real estate, but I just don't have the money yet?" Well, it's possible you are actually sitting on tens or hundreds of thousands of dollars available for investing and you don't even know it!

That's how I was - I was pretty blown away when I found this out.

When my husband and I went to a real estate conference - the Real Estate Guys' Secrets of Successful Syndication seminar, we first learned that we had way more access to cash than we thought about - via our retirement accounts. 

Most people have IRAs or 401k's in plans offered through their employers or through one of the bigger financial institutions - Fidelity, Ameritrade, Charles Schwab, etc.  In these accounts is a set of options of what you can invest in - generally a somewhat limited menu of mutual funds and bonds.

I remember being very annoyed at one point because I wanted to put the bulk of my money in a low-fee...