At the age of 39, Anna Chacon, a dermatologist, achieved her long-standing dream of owning a home close to her roots in Miami.
In 2023, she purchased a four-bedroom, three-bathroom residence in Pinecrest, Florida, for $1.9 million, but surprisingly, she still hasn’t moved in.
Instead, Chacon opts to stay with her parents and grandmother, cherishing the time spent together as her family ages.
Having devoted years to her education and career, including medical school at Brown University and residency in Los Angeles, Chacon values the moments she can share with her loved ones.
She expresses pride in living at home, stating, “I want to spend every moment I can with them.
I want to learn from them.”
Despite owning an upscale home, Chacon pays her family $3,000 monthly to cover rent and groceries.
Her personal spending on groceries varies but generally hovers around $200 a month, increasing during travel.
In addition to rent, Chacon compensates her family for helping with errands and various tasks that support her busy medical practice.
In 2024, Chacon’s earnings soared to almost $900,000, indicating that her decision to live at home is not dictated by financial necessity.
Reflecting on her past, Chacon recalls her solitary days in Los Angeles during her residency, where meals often involved TV dinners.
Living with her family now allows them to prepare and share meals together, enhancing her family connection.
“I feel like I can help them,” she shares.
“I would hate for something to happen to them and me not be there.”
With her private practice operating 24/7, she works between 80 to 120 hours each week, reducing her time spent at home.
Chacon believes that moving out would be a waste of money, particularly since she is single.
She feels secure knowing that her Pinecrest house serves as a backup plan if her living situation changes in the future.
While considering her real estate decision, Chacon had intentions of making the Pinecrest home an investment property.
Recognizing the upward trend in real estate prices in Florida, she aimed to enter the market before prices inflated further.
After her purchase, the house sat vacant until a family friend directed her to a potential renter.
Now, she garners a rental income of $7,500 per month from the property, having paid off the mortgage by January 2025.
In fact, paying off mortgages early is often uncommon for even high earners, due to the higher value placed on maintaining liquidity for alternate investments.
According to recent Census Bureau data, only about 40% of homeowners in America remain mortgage-free.
Chacon, who was always taught that debt is detrimental, decided to eliminate her mortgage as rapidly as possible.
This philosophy carried over to her first property, a building that houses her dermatology practice, which she bought in Coral Gables, Florida, in 2022 for $1.1 million.
She also paid off this mortgage within just four months and currently earns an additional $7,500 a month from a medical spa that rents most of the office space.
Describing herself as once being “terrible with money,” Chacon’s successful endeavors in stock market investing and real estate have catapulted her net worth to over $6 million as of June 2025.
Even with her significant earnings, she has no intention to retire early or at all, stating that she “loves to work.”
Chacon takes pride in the financial safety net she has created for herself and remains committed to ensuring she can support her family and make choices for her happiness in the future.
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