Replace Your University

#101 - Breaking Financial Myths with Garrett Gunderson: Protecting Wealth & Building Legacy! Nov 06, 2024

Free Video: How You Can Pay Your Mortgage Off In 5 Years or Less On Your Current Income: 👇🏼 https://bit.ly/4fM8wxU In this episode, Michael sits down with Garrett Gunderson, a financial expert reshaping how people think about wealth and legacy. Garrett shares insights on what the Rockefellers did to protect their wealth, how banks leverage life insurance, and strategies for creating financial security across generations. Together, they dive into wealth preservation, smart financial planning, and avoiding common pitfalls that often cost families their financial freedom. Connect with Garrett Gunderson: - Discover more about Garrett’s work and philosophy on his YouTube Channel: https://www.youtube.com/@GarrettGundersonTV - Check out his book, "What Would the Rockefellers Do?" for a comprehensive guide to legacy planning: https://garrettgunderson.com/product/what-would-rockefellers-do - Visit Garrett’s website: https://garrettgunderson.com/ Key Points: - How the Rockefellers built a generational wealth model - The surprising truth about bank-owned life insurance (BOLI) - Why traditional retirement plans may not be the best option for everyone - Life insurance strategies for tax-efficient wealth transfer

#100 - Ande Frazier on Empowering Women With Smarter Money Moves Oct 02, 2024

Free Video: How You Can Pay Your Mortgage Off In 5 Years or Less On Your Current Income: 👇🏼 https://bit.ly/4fM8wxU In this insightful episode of the Replace Your University podcast, Michael Lush sits down with Ande Frazier, financial expert and author of "Financially Free: 11 Conversations to Have About Life and Money." Ande shares her journey from starting out in financial services to becoming a leader in empowering women to achieve financial independence. Together, they explore the emotional aspects of money, the importance of financial planning for women, and the critical skills entrepreneurs need in today’s rapidly changing world. Don’t miss this episode filled with practical advice on financial literacy, infinite banking concepts, and personal development. Buy Ande's Book: Get your copy of Financially Free: 11 Conversations to Have About Life and Money on Amazon: https://a.co/d/c0JKqY9 Visit Ande's official website: https://www.andefrazier.com/ Email Ande at: ande@andefrazier.com Follow with Ande on Facebook: https://www.facebook.com/CEOAndeFrazier/ Connect with Ande on LinkedIn: https://www.linkedin.com/in/andefrazier/

#99 - Are HELOC Interest Rates Beating Mortgage Rates in 2024? Aug 15, 2024

Free Video Training: How You Can Pay Your Mortgage Off In 5 Years or Less On Your Current Income: 👇🏼 https://bit.ly/3u0XXDA Free E-Book: Secret To Paying Off Your Home In 5 Years https://bit.ly/3LA4cUj To start building the life you want: ⁠⁠https://replaceyouruniversity.com/⁠⁠ Follow Replace Your University on Instagram: ⁠⁠⁠https://www.instagram.com/the_realryu/⁠⁠ Join Us on Facebook: ⁠⁠⁠https://www.facebook.com/ReplaceYourUniversity/⁠⁠ Check out more tips and strategies on our YouTube channel: ⁠⁠⁠https://www.youtube.com/@ReplaceYourUniversity In this video, we explore whether HELOC interest rates are outperforming traditional mortgage rates in 2024. Learn why the answer isn't straightforward and how knowing where to look can make all the difference. We delve into the specifics of community banks, credit unions, and how their offerings stack up against larger institutions. Discover the key factors that influence interest rates and why time and balance might be more important than you think. Don't miss this insightful analysis that could help you make smarter financial decisions!

#98 - How the HELOC Strategy Works Step by Step Guide to Paying Off Your Home Faster Aug 08, 2024

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In this video, we break down the HELOC strategy and provide a step-by-step guide to help you pay off your home faster. Learn the key differences between a HELOC and a traditional mortgage, and discover how education, design, and execution play crucial roles in maximizing the efficiency of this powerful financial tool. From understanding offset accounting to selecting the right bank and timing your moves, we cover everything you need to know to implement this strategy effectively. Whether you're new to HELOCs or looking to refine your approach, this comprehensive guide will set you on the path to financial freedom.

#97 - What Are the Top Ways to Boost Your Income for Family Stability? Aug 01, 2024

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In this video, Michael Lush discusses practical strategies for boosting income to achieve family stability, especially for those living paycheck to paycheck. He emphasizes the dual approach of cutting unnecessary expenses and exploring new income opportunities. Lush shares various methods, from utilizing negotiation services to reduce bills to engaging in side hustles like affiliate marketing, starting small businesses, or leveraging technology for increased productivity. By highlighting success stories, such as Junior Bridgeman's transition from NBA player to a successful franchise owner, Lush inspires listeners to think creatively and strategically about increasing their financial stability while balancing life's demands.

#96 - How Does a Sweep Account In A HELOC Work To Save You Interest? Jul 25, 2024

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In this video, Michael Lush explains how a sweep account in a HELOC (Home Equity Line of Credit) can save you interest by automating the transfer of funds from your checking account to your HELOC. This process ensures that your money, which would otherwise sit idle and depreciate in value in a checking account, is instead used to reduce the principal balance of your HELOC. By consistently lowering the principal, you decrease the daily interest calculated on the loan. Lush highlights the efficiency and financial benefits of using a sweep account, emphasizing how it eliminates human error and maximizes the impact of your income on reducing interest costs.

#95 - Why Choose a HELOC Even If It Might Freeze? Is It Still Better Than a Mortgage? Jul 18, 2024

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In this video, Michael Lush addresses Home Equity Lines of Credit (HELOC) concerns and the potential risks of account freezing. He explains the origins of these concerns, particularly during the 2008 financial crisis, and compares the flexibility of HELOCs to traditional mortgages. Lush emphasizes that, despite the possibility of freezing, HELOCs offer significant advantages, such as lower default rates and greater flexibility in financial hardship scenarios. He details how HELOCs allow homeowners to use their credit lines to make payments and manage expenses, providing a more adaptable financial tool compared to fixed mortgages.

#94 - How Does A HELOC Work, Practically? Jul 11, 2024

Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼

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In this video, Michael Lush breaks down the practical use of a Home Equity Line of Credit (HELOC) and its benefits over traditional mortgages. He explains how HELOCs offer flexible, 24/7 access to funds, allowing homeowners to manage their cash flow more efficiently. Unlike conventional mortgage structures, lush details the advantages of depositing income directly into a HELOC, which can help reduce principal and interest payments. He also highlights the importance of selecting the right bank and advising against big banks in favor of community banks and credit unions for better terms and features. Through real-life examples, Lush demonstrates how HELOCs can optimize personal finances and provide greater financial control.

#93 - Why Aren't More People Using the HELOC Strategy to Replace Their Mortgage? Jul 04, 2024

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In this video, Michael Lush wonders why more people aren't using the HELOC (Home Equity Line of Credit) strategy to replace traditional mortgages. Despite their potential benefits, he discusses the prevalent disbelief and skepticism surrounding alternative financing methods. Lush explains how HELOCs offer greater flexibility and liquidity than traditional mortgages and emphasizes the importance of critical thinking and independent research. He challenges listeners to investigate the HELOC strategy, providing free educational resources and encouraging an open-minded approach to personal finance.

#92 - Building a Multi-Generational Legacy with Lance Welch Jun 24, 2024

In this episode of the "Replace Your University" podcast, host Michael Lush interviews Lance Welch, author of "The Legacy Navigator." The conversation delves into Lance's insights on creating an intentional multi-generational impact, focusing on the importance of being deliberate and consistent in nurturing family relationships and values. Lance shares personal anecdotes and strategies from his experience as a business coach and former VP of sales, emphasizing the significance of transferring vision, values, and knowledge to build a lasting legacy. The discussion also touches on balancing professional success with family commitments and the power of intentionality in fostering meaningful connections and leadership skills in the next generation. Access free downloads on Lance Welch's website at: thelancewelch.com/firstfriday Find Lance's book, "The Legacy Navigator," on Audible and Amazon: https://www.amazon.com/Legacy-Navigator-Lance-Welch/dp/1950476782.

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#91 - How to Buy Investment Properties When Your Bank Says NO May 16, 2024

In today's video, Michael Lush discusses a financial product called the Debt Service Coverage Ratio (DSCR) loan, designed for individuals who already own a home and have done so for at least 12 months. The DSCR loan differs from conventional loans as it bases eligibility on the potential rental income of the investment property rather than the investor’s income. This makes it an attractive option for those whose tax returns may not traditionally qualify them for conventional loans. Michael outlines the requirements for obtaining a DSCR loan, including needing a down payment and maintaining a 25% margin above property expenses to qualify. This video is aimed at helping potential investors understand an alternative route to purchasing investment properties.

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#90 - Do You Know Your Hourly Rate? Here's Why You Should. May 09, 2024

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If you're salary, do you know your hourly rate? In this video, we dive into the practical exercise of calculating your hourly rate to understand what tasks are worthy of your time, a crucial tool for both employees and entrepreneurs. By understanding the value of your time, you can make informed decisions about when to delegate tasks to maximize efficiency and focus on what truly matters. Whether it's spending time with family or pursuing creative projects, recognizing the financial and personal benefits of delegation can transform how you manage your day and resources. Join us as we explore how valuing your time can lead to a more balanced and fulfilling life.

(RECAST) - How to Resist Buyer's Temptation May 02, 2024

(This episode originally aired in April of 2023)

In this episode of the Replace Your University Podcast, Michael Lush discusses the drawbacks of traditional mortgages and introduces a strategy to replace them with home equity lines of credit. He emphasizes the importance of budgeting, replacing mortgages, using HELOCs as operating accounts, and maintaining discipline to resist impulsive spending. Michael provides insights on leveraging HELOCs for investments like real estate to generate passive income. Tune in to learn how to optimize your finances and build wealth through strategic financial decisions.

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#89 - 7 Critical Questions Every HELOC User Should Answer Apr 25, 2024

In this episode of the Replace University Podcast, host Michael Lush dives into the benefits of using Home Equity Lines of Credit (HELOCs) versus traditional mortgages, focusing on their flexibility and strategic advantages. He presents seven essential questions to consider for maximizing a HELOC's potential, including choosing the right interest rate index, employing offset accounting for interest savings, and leveraging HELOCs with other financial products for wealth creation. Lush also explains "rate stacking" for minimizing interest costs and the innovative use of HELOCs as a temporary income source during financial hardships. This episode serves as a guide for homeowners interested in using HELOCs wisely to achieve financial freedom and build a legacy.

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#88 - Michael Lush and Derrick Minyard on Investing Smarter with Home Equity Apr 18, 2024

In this episode of the Replace University podcast, Michael Lush is joined by Derek Minyard, who shares his enlightening experience with Home Equity Lines of Credit (HELOC), detailing how it revolutionized his financial strategy and real estate investments. Through Derek's journey, listeners learn about the advantages of HELOCs, including various rate options and the potential for significant returns through savvy banking and investment tactics. Additionally, Derek introduces his company, Fimi Collective, highlighting its mission to amplify impactful messages. This episode is packed with insights on leveraging equity for financial freedom, navigating the banking system for the best HELOC deals, and the power of strategic investment during economic fluctuations.

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#87 - Bulletproof Your Finances with the 'Create Your Own Economy' Workshop Apr 11, 2024

In this episode of the Replace Your University podcast host Michael Lush introduces the "Bulletproof Financial Blueprint," a transformative strategy designed to empower individuals to create their own economy. Detailing a five-night virtual workshop, Lush outlines a comprehensive plan that includes unlocking hidden capital through the "Buried Treasure Detection System," optimizing cash flow outside the conventional banking system, leveraging alternative debt structures with the "Debt Ninja System," and acquiring assets that generate income. Each session promises to reveal secrets to financial freedom, from finding cheap capital and maximizing cash flow to acquiring cash-generating assets and protecting financial gains. This episode is a call to action for those seeking to replace their mortgage, dollar, employer, retirement, and mindset with a robust, recession-proof financial foundation.

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#86 - Why Smart Homeowners Are Choosing HELOCs Over Mortgages Apr 04, 2024

In this episode of the Replace Your University podcast (clipped from episode 40), the discussion centers around Home Equity Lines of Credit (HELOCs) 's effectiveness and flexibility over traditional mortgages. Michael critically examines common misconceptions about HELOCs, emphasizing their potential benefits for certain financial strategies, including cash flow management and the possibility of lower interest costs over time. The episode challenges the traditional mortgage approach through a detailed comparison and analysis,

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#85 - The Art of High-Yield Investments with Devon Johnson Mar 28, 2024

In this episode of the RYU podcast, the focus is on the Capital Club and Dark Horse Capital, platforms linking investors with capital to high-yield, passive investment opportunities. Host Michael Lush is joined by his guest, Devon Ryan Johnson, the CEO of Dark Horse Capital. Known as the "capital queen," she shares her evolution from real estate to a central role in connecting investors with diverse deals, including real estate, digital assets, and even unique ventures like private islands and ATM businesses. Highlighting the accessibility for both non-accredited and accredited investors, the episode emphasizes the club's meticulous vetting process to present members with secure and profitable investments. This conversation sheds light on the power of networking within the Capital Club, providing an essential resource for investors aiming to expand their portfolios with innovative and passive income streams.

Get in touch with Devon Here: https://www.linkedin.com/in/devon-ryan-johnson-806134a/

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#84 - How to Build a Bulletproof Financial Blueprint Mar 21, 2024

In this episode of the Replace University podcast, Michael Lush demystifies the "Flow of Money," detailing strategies for financial efficiency and growth. Lush transitions from Replace Your Mortgage to broader financial education, covering tactics from leveraging home equity lines of credit for cash flow management to investing in insurance for tax benefits and diving into real estate and day trading for wealth accumulation. He introduces a comprehensive blueprint, emphasizing the importance of informed money management and investment to achieve financial freedom, and challenges conventional financial planning with innovative yet practical approaches.

Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼

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#83 - How Home Equity Agreements Prey on the Desperate Mar 14, 2024

In this episode of the Replace University podcast, host Michael Lush explores the intricacies of Home Equity Agreements, a financial product distinct from traditional home equity loans or lines of credit. Lush delves into why these agreements have become popular among companies, highlighting their profitability and potential consumer risks and drawbacks. He shares a personal experiment with a home equity agreement to demonstrate the terms, conditions, and the significant cost it can entail, especially for those with lower credit scores or in desperate financial situations, likening it to payday lending practices. Lush advises caution and thorough consideration before engaging with such agreements.

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#82 - The Millionaire Mindset Part 2 Mar 07, 2024

In today's episode, Michael Lush contrasts the financial strategies of millionaires with those of the middle class, emphasizing the importance of embracing calculated risks, continuous learning, and innovative thinking for wealth accumulation. Millionaires diversify investments and leverage others' money, such as through day trading and real estate, to maximize returns while also prioritizing ongoing education beyond traditional schooling. The narrative underscores the necessity of a growth mindset and creative financial tactics over risk aversion, encouraging listeners to adopt a proactive personal and financial development approach.

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#81 - Thinking Like a Millionaire in Times of Change Feb 29, 2024

In today's podcast episode, Michael Lush explores the mindset and strategies that differentiate millionaires from the middle class, focusing on long-term thinking, discipline, and embracing change, particularly in the context of technological advancements like artificial intelligence. Michael highlights how millionaires leverage downturns to compound wealth and constantly seek personal and professional growth and improvement. In contrast, the middle class often focuses on short-term survival and views change as a threat, missing opportunities to adapt and thrive. The episode encourages embracing change, pursuing continuous learning, and surrounding oneself with people who foster growth and positive change.

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#80 - Critical Perspectives On Wealth, Faith, and Diversity PART 2 Feb 15, 2024

In Part 2 of their discussion, Michael Lush and Cody Hutchin continue to tackle complex topics, including societal changes, political viewpoints, and the importance of personal and financial freedom. They delve into contemporary issues like taxation, government policies, and the effects of diversity and inclusion initiatives. Moreover, they explore the role of emotional intelligence in personal and professional settings, emphasizing the importance of vision, goal setting, and execution. This episode provides insights into navigating modern challenges through informed dialogue and critical thinking.

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#79 - Critical Perspectives on Wealth, Faith, and Diversity with Cody Hutchin Feb 08, 2024

In part 1 of this thought-provoking episode, Michael Lush is joined by RYU's new Sales Manager, Cody Hutchin. Together, they dive deep into the intersections of wealth, faith, and societal norms. They explore the moral and ethical implications of taxation, the prosperity gospel, and how these beliefs shape our views on wealth distribution. Additionally, the duo critically examines the impact of diversity, equity, and inclusion initiatives on corporate performance and societal cohesion. Join them for a thought-provoking discussion that challenges conventional wisdom and invites listeners to reconsider their perspectives on wealth, faith, and diversity. Stay tuned next week for the conclusion of this discussion in part 2.

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#78 - Fortunes Lost and Fortunes Gained: The Vanderbilts vs. Rockefellers Saga Feb 01, 2024

In this episode of RYU Podcast, Michael Lush delves into the intriguing story of the Vanderbilts and Rockefellers, exploring how their wealth evolved over time. Drawing a stark contrast between the two families, he reveals that while the Vanderbilts, once worth a staggering $105 billion in today's dollars, lost their fortune, the Rockefellers thrived through a strategic banking system involving insurance. Michael shares a valuable lesson on wealth protection and growth and invites us to explore these concepts further at Replace Your University.

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#77 - Who I Like To Follow On Social Media Jan 25, 2024

In today's episode of RYU Podcast, Michael shares insights on how he curates his social media feed to ensure it's not only business-related but also beneficial for his mindset and even kid-friendly. Offering a glimpse into his social media strategy, he lists top influencers and content creators he follows for valuable information and entertainment.

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#76 - Charge According To Your Worth Jan 18, 2024

In this episode of RYU Podcast, Michael reflects on a valuable lesson from a marketing mentor in 2014. This mentor emphasized the importance of charging what you're truly worth, especially when offering a service that saves people significant amounts in mortgage interest. Michael shares a simple but impactful insight: don't be afraid to put a higher price tag on your worth, avoiding the race to the bottom of the market. So, whether it's adjusting your pricing or implementing strategic monetization, the key takeaway is clear – charge what you're worth to set the stage for long-term success.

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#75 - Teen's $160,000 Chicken Tractor Side Hustle Jan 11, 2024

In this follow-up video, I address the comments and questions from my viral short about a 17-year-old who successfully built and sold 400 chicken tractors, grossing $160,000 in a year. I clarify the misconceptions about the profitability of this venture, explaining that despite the costs of materials, the young entrepreneur still made a significant profit. This video is a testament to the young entrepreneur's hard work and efficiency in his side hustle. It shows that with the right hustle and grind, similar success is achievable with anyone.

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#74 - Reverse Engineering a 5-Year Plan Jan 04, 2024

In today's episode of RYU Podcast, Michael explores a unique mindset, revealing the intriguing habit of purchasing lottery tickets when the jackpot surpasses 300 million dollars. Michael explains how this ritual serves as a mental exercise, prompting him to envision a life of abundance and contemplate the possibilities of immense wealth. The episode delves into Michael's aspirations, from secret acts of generosity to ambitious five-year plans involving dream homes and properties.

Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼

https://bit.ly/3u0XXDA

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#73 - Questioning Beliefs Atheism to Faith Dec 28, 2023

In this episode of RYU Podcast, Michael is joined by Michael Cocchini, and they dive deep into the profound topics of life's meaning, consciousness, and Christianity. Join us as we explore the depths of these intriguing subjects and uncover insights that may reshape your perspective.

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#72 - Impact of Interest Rates Recession and Financial Opportunities Dec 21, 2023

In this episode, Michael is joined by Chris Payne from University Lending Group and they delve into how their clients are navigating the challenges of rising interest rates, the recession, and inflation. Surprisingly, the short answer is that they're not losing sleep over it. Tune in to discover how having a First Lien HELOC has proven to be a game-changer, alleviating the stress that many are grappling with amid the current economic landscape.

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#71 - Maximizing Home Equity with a HELOC Dec 14, 2023

In this episode of RYU Podcast, Michael explores the key to being both house-rich and cash-rich: a First Lien HELOC. Leveraging his mortgage expertise, he emphasizes the game-changing liquidity of a home equity line of credit, providing easy 24/7 access to equity. Real-life examples highlight its effectiveness during economic challenges like the pandemic. The episode concludes with insights into using liquidity for seizing opportunities and building wealth, making it essential listening for those navigating financial strategies.

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#70 - Productive Delegation Dec 07, 2023

In this episode for RYU Podcast, Michael encourages a shift in mindset towards business expansion and efficiency. Using a personal example, he highlights the case of a successful account executive who, despite reservations, is contemplating scaling his monthly live events. Michael emphasizes the importance of thinking creatively and embracing the idea of one's own enterprise, suggesting that many tasks, from appointment handling to onboarding, can be delegated to streamline processes. By optimizing focus on core activities, in this case, hosting events, the potential for increased profitability becomes evident. The message resonates with the notion that sometimes, business growth is not about doing more but about doing things differently and more efficiently.

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#69 - Money Making Getaway Nov 30, 2023

In this episode of the RYU podcast, Michael shares a clever hack on turning an Airbnb stay into a profitable venture. Rather than just paying for a luxury Airbnb rental, he unveils a creative approach to not only enjoy a lavish eight-bedroom, nine-bath home in Franklin but also make money from it. Exploring the idea of hosting a three-day mastermind, Michael plans to invite five to six couples to join him and his team for a life design session, delving into topics like real estate investment and financial strategies. Michael reveals how this venture transforms a stay into a lucrative opportunity, demonstrating the power of creativity in making your assets work for you.

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#68 - A Deep Dive into Financial Success Nov 23, 2023

In this episode of RYU Podcast, Michael discusses the concept of "Replace Your Mindset" and how it can have a lasting impact on one's life. He describes their daily routine of waking up early, taking a cold shower, making their bed, and engaging in physical training.

By following this routine, he believes you can achieve more before 9 a.m. than most people do in an entire day. Michael also emphasizes that this mindset extends beyond business and physicality, prompting him to question what else he can accomplish in their relationships and other aspects of life.

This suggests that "Replace Your Mindset" is about adopting a disciplined and proactive approach to life, setting goals, and continuously striving for personal growth and improvement.

It underscores the significance of developing a strong mindset and the potential for success in various areas of life by consistently implementing positive habits and practices.

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#67 - Unlocking The Bank-Owned Life Insurance Mystery Nov 16, 2023

In this episode RYU Podcast, Michael gets into the nitty-gritty of life insurance and what the big banks are up to. Now, Dave Ramsey, you've probably heard of him, he's been pretty adamant that banks don't touch permanent life insurance with a ten-foot pole. But before you take his word for gospel, let's think about this for a sec.

Do you reckon Dave knows more about money than the big banking giants? I mean, banks own skyscrapers, and we own little houses, right? So, what's their secret sauce? Now, here's where it gets interesting. I'm gonna show you how to do your own detective work. No need to take Dave's word or mine. Just hit up fdic.gov, do a little searching, and you'll find out what the big players like

Wells Fargo and Bank of America are up to. It turns out, they're holding boatloads of permanent life insurance, even more than they've got in real estate!

So, what does that tell you? It's a cash stash they trust. So, whether you trust Dave or billionaires like Jamie Dimon, who's all in on life insurance, well, the choice is yours. Take care and God Bless!

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#66 - 8 Life Changing Tips Nov 09, 2023

In this episode RYU Podcast, Michael dives into the game-changers for a better life. I know, I know, it's a lot to remember, so be sure to hit that save button or shoot this to your bestie.

First up, no more complaining. Instead, let's be solution-seekers. Then, toss out the blame game and own your story. We've all been there, right?

Next, let's talk staying cool as a cucumber. No need for shouting matches and find that common ground instead. Oh, and humble pie? It's on the menu. No need to flaunt your successes. Let your actions do the talking. And hey, yelling? Let's save that for the stadium, shall we? Take it down a notch and speak calmly - you'll be heard loud and clear.

Plus, here's a tip: let's be all ears before we start gabbing. It's the 80-20 rule, my friends. Listen more, talk less. Being kind is always cool. Less judging, more connecting.

And last but not least, truth talk. No more stretching the truth - it's all about that honest vibe. And guess what? Speaking the truth doesn't just build trust with others, it builds confidence in yourself. So here's to embracing these changes and living our best lives. Take care and God bless!

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#65 - Escaping The Mortgage Trap Oct 26, 2023

In today's episode of RYU Podcast, we explore Michael's journey into the world of mortgages, where he learned that mortgages are like "financial crack" for the middle class. He was introduced to this idea by a mentor, Edmund Fontana, which led him to embark on a mission to transform the mortgage industry. Inside the episode, he talks about the power of embracing change and pursuing one's passion. Edmund's journey serves as an inspiring example of what's possible when you step out of your comfort zone. If you're considering a career shift or financial transformation, consider the path taken by Edmund and others who've achieved remarkable success by exploring new opportunities.

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#64 - Wealth, Debt, and Heart Posture: A Christian Perspective Oct 19, 2023

In this episode, Michael and Derrick engage in a thought-provoking conversation about wealth, debt, and the Christian perspective on money. They delves into the misconceptions around money, debt, and the role of finances in society. Michael and Derrick touch upon biblical references, debunking the myth that money is a sin and stresses that the focus should be on one's heart posture—whether it's to accumulate wealth for personal gain or to bless others and make a positive impact.

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#63 - From Middle Class Mortgage Trap to Real Estate Empire (RECAST) Oct 12, 2023

In today's episode of RYU Podcast, we explore Michael's journey into the world of mortgages, where he learned that mortgages are like "financial crack" for the middle class. He was introduced to this idea by a mentor, Edmund Fontana, which led him to embark on a mission to transform the mortgage industry. Inside the episode, he talks about the power of embracing change and pursuing one's passion. Edmund's journey serves as an inspiring example of what's possible when you step out of your comfort zone. If you're considering a career shift or financial transformation, consider the path taken by Edmund and others who've achieved remarkable success by exploring new opportunities.

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#62 - Supercharging Your Mortgage Strategy (RECAST) Oct 05, 2023

In today's episode, Mike gives us an intriguing strategy for mortgage refinancing that many people may not be aware of. He shares his personal experience and a conversation he had with a mortgage lender about using a home equity line of credit (HELOC) to refinance his mortgage. He discusses the advantages of this approach and highlights the importance of understanding different strategies when it comes to personal finance.

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#61 - Overcoming Fear of Home Equity Lines of Credit Sep 28, 2023

In this episode, Michael addresses the common fear associated with home equity lines of credit (HELOCs) and how our perception of change can influence our financial decisions. He emphasizes that change, including transitioning from mortgages to HELOCs, can either be perceived as a threat or an opportunity. Drawing a distinction between the middle class and millionaires, Michael explains how the rich view change as a chance to learn and grow, while the middle class may see it as a risk.

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#60 - Unleashing Your Potential to 10x Results Sep 21, 2023

In this episode, Michael talks about the concept of 10xing your results, challenging the conventional idea that doubling your efforts leads to a linear increase in profits. Instead, he emphasizes the power of expansive thinking and breaking free from limiting beliefs. Using a real estate example, Michael demonstrates how a shift in perspective can multiply your outcomes. He tackles common limiting beliefs such as scarcity and complexity and highlight the importance of an abundance mindset and the willingness to take action. Ultimately, the episode encourages listeners to embrace the path of personal growth and success, even if it means going against the grain of societal norms. Tune in to this thought-provoking episode for insights on unleashing your full potential and achieving remarkable results.

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#59 - The Credit Score Conundrum: HELOC Eligibility Unveiled Sep 14, 2023

In this episode, Michael tackles a common question: What credit score is needed to qualify for a Home Equity Line of Credit (HELOC)? HELOCs operate in a more flexible and less regulated space compared to mortgages, making credit score requirements highly variable among lenders. While some credit unions may not have strict minimum scores and use their own scoring systems, larger banks often demand higher credit scores due to their brand reputation. In Michael's view, a credit score of 680 or higher is a strong starting point for HELOC consideration, except in the case of Bank of America. Overall, understanding the unique criteria of your chosen lender is crucial when venturing into the diverse world of HELOCs.

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#58 - From 'I Should' to 'I Did Sep 07, 2023

In this episode, Michael draws a powerful analogy between sports and financial mindset, emphasizing the distinction between playing to win and playing not to lose. Reflecting on a high school basketball game, he illustrates how solely focusing on defense, whether in sports or finances, can hinder success. Michael encourages considering a home equity line of credit (HELOC) to accelerate mortgage payoff but also stresses the importance of going on the financial offense, learning to manage risk, and building lasting wealth. He shares insights from a survey of elderly individuals, highlighting the regret of not taking more risks with their lives. Lastly, he challenges the conventional wisdom around mortgages, suggesting HELOCs as a less risky and more financially responsible option.

#57 - How to Resist Buyer's Temptation (RECAST) Aug 31, 2023

In this episode, the Michael dives into the strategy of replacing mortgages with home equity lines of credit (HELOCs). He starts by emphasizing the importance of having a healthy budget to manage finances effectively. Then, explains the concept of replacing your existing mortgage with a first lien position HELOC, providing a step-by-step breakdown of how this works. The third key point is about utilizing the HELOC as your primary operating account, which allows for flexible movement of funds and convenient transactions.

Michael also discusses the drawbacks of traditional checking and savings accounts compared to the benefits of HELOCs. So, if you're looking for ways to optimize your finances and resist the pitfalls of traditional mortgage systems, this episode provides valuable insights. Stay tuned for more financial wisdom!

#56 - Transformative Financial Success with Rick Campione Aug 24, 2023

In this episode, we delve into Rick's journey from financial uncertainty to thriving real estate investments. Discover how a change in mindset and the application of unconventional financial strategies transformed Rick's financial landscape. We discuss the power of leveraging equity, the value of embracing new opportunities, and the importance of becoming a lifelong learner. Tune in to gain valuable insights and practical advice for achieving your financial goals.

#55 - The Hidden Value of Subscription-Based Businesses Aug 17, 2023

In this episode, hosts Michael Lush and Hector Gonzalez share an inspiring and insightful conversation about the importance of building a legacy through strategic business models. Hector, a seasoned entrepreneur, opens up about his challenging upbringing in the Bronx, growing up amidst gangs, crime, and single-parent households. He reveals how this early life experience shaped his mindset and values as he embarked on a journey to success.

#54 - Creating Your Own Economy: The Power of Homesteading Aug 10, 2023

In this episode, Michael delves into an unconventional approach to creating one's own economy through the concept of homesteading. Sharing his personal experience, Michael discusses the journey he embarked upon when he and his family purchased a 90-acre former cattle farm, which they transformed into a self-sustaining homestead.

Michael explains the distinction between a working farm and a homestead, highlighting the challenges and limitations associated with operating a farm for income purposes. Instead, the focus shifts to the benefits of a homestead, where self-sustainability and personal control over resources become paramount.

#53 - How Millionaires Work for Profits and Prosperity Aug 03, 2023

In this episode of the Replace University podcast, host Michael Lush delves into the insightful book "The Top 10 Distinctions Between Millionaires and Middle Class" by Keith Cameron Smith. Michael shares three essential books by the author and highlights the relevance of their content even today.

#52 - The Psychology of Persuasion and Sales with Cierra Lueck Jul 27, 2023

In this episode of the Replace Your University podcast, Mike is joined by the dynamic Sierra Lueck, who has a fascinating story to share. Sierra is an expert in transforming Facebook groups into thriving communities and monetizing them effectively. She reveals her secret to turning brands into movements and explains how she helps businesses diversify their income streams by amplifying their existing offers.

#51 - Breaking the Mold: Maximizing Your Home Equity Jul 20, 2023

In this episode, Mike dive into a thought-provoking conversation between a homeowner and a mortgage loan officer. The homeowner presents an alternative strategy for paying off their mortgage faster by converting it to a home equity line of credit (HELOC).

#50 - From Quitting to Commitment: Overcoming Challenges Jul 13, 2023

In this episode of the Replace University podcast, host Michael Lush is joined by his business partner, Matt DeLonge, part-owner of Real Life Trading. They discuss the importance of doing hard things and pushing boundaries in personal and professional life. Matt shares his journey from being a customer of Real Life Trading to becoming a part-owner and highlights the transformative power of challenging oneself.

#49 - How Knowledge Transforms Lives Jul 06, 2023

In this episode, Mike highlights the importance of collaboration and the abundance mindset he encountered in their new professional network. He emphasize the value of supporting personal and professional growth and how it benefits not only individuals but also the business. And he touched upon the limitations of the scarcity mentality and how it hinders progress.

#47 - Paying Off Your Mortgage: Is It Worth It? Jun 22, 2023

In this episode, Mike shares his experience refinancing his mortgage using a home equity line of credit strategy. He discusses his property in Tennessee valued at $500,000 and his desire to reduce his interest rate from three and a half percent. Michael explains how he plans to take out more than $400,000 to have additional availability on his line and pay off his loan quickly by dumping his money into it.

#46 - Refinancing a Home with Rocket Mortgage Jun 15, 2023

In this episode, Mike makes a phone call to a loan officer with Rocket Mortgage and shares their conversation about refinancing their home. He also discusses the benefits of maintaining liquidity and reducing interest through innovative strategies. Listen in as Mike breaks down the calculations and shares their expert advice on navigating the current economic climate. Don't miss out on this informative and eye-opening episode.

#44 - Digital Real Estate ( NO ONE IS TALKING ABOUT THIS ) Jun 01, 2023

In this episode, the host discusses a concept called digital real estate, which is a unique investment opportunity and that digital real estate provides a passive income stream and a done-for-you service. It is presented as an alternative way to make money, particularly for those seeking a truly passive investment opportunity.

#43 - WTH is a YACHT HACK? May 25, 2023

In this exciting episode, we explore a unique concept called the "Yacht Hack" and delve into the world of yacht ownership without spending any of your own money. Tune in us as we uncover this fascinating opportunity and learn how you can become a yacht owner through clever financial strategies.

#42 - There Is No Perfect Time May 18, 2023

In this episode, Mike encourages listeners to reflect on their own mindset and the tendency to wait for the perfect conditions before taking action. Timing will never be perfect, and waiting for the ideal moment may result in missed opportunities.

#41 - How to get the HIGHEST Appraisal Possible? May 12, 2023

In today's episode, Mike shares a hack for getting a higher appraisal for a home and addresses the difference between a property tax appraisal and a home appraisal for refinancing or purchasing purposes.

#40 - Do HELOC's STILL Beat Mortages in 2023? May 02, 2023

In this episode, Mike talks about the use of the HELOC (Home Equity Line of Credit) method to pay off a home in five to seven years.

#39 - Empathy in Business with Michael McGovern May 01, 2023

In this episode, Mike & Mike discuss having empathy in your business, loving your employees and selling tombstones.

#38 - Overcoming Limiting Beliefs Apr 28, 2023

This RYU Podcast episode discusses the topic of overcoming limiting beliefs, with host Michael Lush recounting the story of Edmund, who started as a client before becoming a partner of Lush's company. Lush also talked about his mission to create a replacement for university and mortgage brands, as he believes mortgages are financial crack to the middle class, with the poor not being able to afford them and the rich not using them.

Lush met Edmund's mortgage broker at a marketing conference in Florida, and the broker recommended Lush's program to Edmund. Despite being skeptical at first, Edmund became a client and realized the power of the program after six months, which allowed him to pay off his mortgage fast and become liquid. He then joined Lush's company as an account executive and made more money while sharing his passion for the program with others.

#37 - The Meaning of Life (ft. Dr. Michael Cocchini) Apr 26, 2023

Today we take a deep dive into the meaning of life, consciousness and Christianity.

#36 - Understanding Liquidity Apr 21, 2023

In this episode, Michael Lush discusses the importance of liquidity and how a home equity line of credit can help individuals achieve both house richness and cash richness.

He emphasizes the liquidity aspect of a home equity line of credit, which provides access to one's equity 24/7. Michael also highlights how a home equity line of credit can help individuals finance real estate and have access to their equity, even during emergencies. The podcast also talks about how the Federal Reserve is increasing interest rates to fight inflation and how liquidity can help individuals combat economic changes. The episode concludes with real-life examples of how a home equity line of credit helped clients during the COVID-19 pandemic.

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#35 - How To Get A HELOC Apr 19, 2023

In this episode of the RYU Podcast, Michael Lush talks about home equity lines of credit (HELOCs) and the benefits they offer. A HELOC is a revolving line of credit tied to your home, just like a credit card.

The good thing is that it doesn't cost anything if you haven't used it. HELOCs offer simple interest, meaning that you only pay interest on the balance you have. You can pay it down to reduce the interest you pay. This is called recasting. Unlike mortgages, you can recast HELOCs without paying anything.

There are two types of HELOCs: those in second lien position and those in first lien position. A HELOC in second lien position is for homeowners who already have a mortgage but have equity in their home. A HELOC in first lien position replaces an existing mortgage. Lush explains that HELOCs are more efficient tools for financing real estate than mortgages. In fact, some banks allow first-time homebuyers to buy property with a HELOC instead of a mortgage.

This episode is filled with useful information for anyone looking to leverage their home equity to improve their financial position.

#34 - Is Money Evil? Money -VS- Faith w/Derrick Waltz Apr 17, 2023

OVERVIEW:

This episode explores the intersection of money and faith, discussing whether they collide or coexist. The hosts, Michael & Derek, talk about the role of money in Christianity and how it can be used in a healthy way.

They discuss Proverbs 20 and how debt can be viewed as sinful, but it's more about the heart's posture. Money is not good or bad, but it amplifies what is in the heart.

If someone is greedy or selfish, having money will make those tendencies worse, while someone with a generous heart will use their money to be a blessing to others.

The hosts discuss the different approaches to money across different socio-economic classes and suggest that people should buy income, not liabilities, and question why they want to make money in the first place. Overall, the key to the healthy coexistence of faith and money is intentionality and a heart posture that seeks to be a blessing to others.

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#33 - How to Save $170,000 This Year Apr 12, 2023

In this episode of the RYU Podcast, Michael discusses home equity lines of credit (HELOCs) and how they can put you back in control of your finances.

He also discusses inflation and how it can be negated through certain financial strategies, with a focus on real estate. The episode also delves into the history of mortgages and how they have evolved over the years, and how the current mortgage system is not as efficient as it could be.

For more info, please visit replaceyouruniversity.com

#32 - 5 Steps to Master Your Budget Apr 10, 2023

Michael Lush, the host of the Replace Your University (RYU) Podcast, talks about mastering budgeting in this episode. He explains that he will focus on those who haven't mastered budgeting yet. Lush begins by explaining the five categories to consider when mastering budgeting.

First, he suggests looking at what is coming in. He reminds listeners that it is essential to determine the net income after taxes, and other alternative revenue sources, such as tax refunds.

Secondly, Lush talks about the hardest part of budgeting, which is looking at what is going out. He advises listeners to examine their bank statements and categorize their spending over at least three months, ideally six months. Categorizing expenses makes it easier to track where the money is going.

Thirdly, Lush encourages listeners to identify what is not necessary in their budget. He emphasizes the importance of investigating recurring subscriptions that are no longer used or necessary.

Fourth, Michael emphasizes the importance of creating a savings plan. Instead of just saving money, he suggests creating additional revenue streams, such as side hustles, to increase the amount of money coming in.

Finally, he advises listeners to establish an emergency fund. He suggests having six months of expenses saved in case of unforeseen circumstances.

In conclusion, Michael reminds listeners that mastering budgeting is simple, but discipline is crucial. It is essential to keep track of income, expenses, savings, and emergency funds to avoid financial stress.

For more info, please visit replaceyouruniversity.com

#31 - How to Resist Buyer's Temptation Apr 04, 2023

Mortages are financial crack to middle America. The poor can't afford them and the rich don't use them. It's time to replace your mortage with a HELOC.

#30 - Why Rich People Still Play the Lotto! Apr 04, 2023

Have you ever heard that playing the lotto is a waste of money? Nothing could be further from the truth. I'm rich and I still play the lotto... and here's why.

#29 - Overcoming Obstacles May 12, 2022

Before Michael Lush started Replace Your Mortgage and subsequently Replace Your University, he had to learn how to overcome a lot of obstacles in learning how to best utilize a first lien home equity line of credit. He and his staff of mortgage experts, through the Replace Your University and Replace Your Mortgage program, help you quickly and efficiently navigate through and over those obstacles, so you can start paying your home off even quicker. Learn more by going to www.ReplaceYourUniversity.com

#28 - Elon Musk Did What? Apr 29, 2022

In this episode Michael Lush talks about how even Elon Musk, the richest man on earth, leverages debt to buy certain things. That's because he understands money and how to make it work for you. This same principal applies to Replace Your Mortgage and what we teach you about first lien home equity line of credit. You can learn more at www.replaceyouruniversity.com

#27 - 100 Mile Mindset w/Nate Bailey Nov 18, 2021

Our guest today is Nate Bailey. Author, podcast host, leadership coach and more. Mindset is everything, the most important muscle in your body and we need to strengthen it just as you would work out your body. Nate teaches this and is the instructor on the Replace Your Mindset courses on the Replace Your University website (coming 12/2021). You can learn more about Nate, his life and accomplishments, his books, podcast, and offerings at www.natebailey.org

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#26 - The Uglier The Better Nov 11, 2021

It's a Replace Your Mortgage Podcast Takeover! In this episode Derrick Waltz takes over primary duties and welcomes Edmund Fontana to the studio to talk about real estate investing. Edmund tells some crazy stories about some of the homes he has purchased for investments and what he has found in those homes. Cats in the rafters and behind freezers? Edmund is leading the charge for Replace Your Employer that is coming soon to the new Replace Your University website and educational courses.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#25 - Should I Stay or Should I Sell Now? Nov 09, 2021

Should I Stay or Should I Sell Now? That's a question a lot of you have right now because of the high values of homes. The answer is...well, you'll have to watch to find out what we think. We also do our best to offend as many people as possible in this fun episode. Check it out!

For more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#24 - Guess Who's Back Nov 02, 2021

It has been a bit, but we're back! After traveling a good part of the country in an RV, Lush talks about his travels and some of the things his family saw with Matt Workman.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#23 - Mortgage vs HELOC Sep 02, 2021

We get a lot of comments on our videos. Mostly good, but a little bit of hate. But it may surprise you to know that some of that comes from mortgage brokers, simply because they don't understand what we do. Approximately 70% of the people we speak to are not ready for a 1st lien HELOC and we advise them to get a mortgage or refinance. That's the truth. Not everyone is a great fit for our strategy, but for those that are this is a life changing method that will help you achieve financial freedoms. In this video we explain the difference between a traditional mortgage and a 1st lien HELOC.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#22 - RV Life and an Ewok Village Aug 18, 2021

Ever wonder if there would be a podcast that would talk about RV life, an Irish town, and an Ewok Village all in the same show? Well, you've found it.

We don't always talk about mortgages and first lien HELOCS, and today was one of those days. Michael Lush discusses RV life and what he would like to build one day on a massive amount of land during his conversation with Matt Workman and Edmund Fontana.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#21 - I Replaced My Employer w/Edmund Fontana Aug 17, 2021

Joining the Podcast crew today is Edmund Fontana who is part of the management team of Replace Your Mortgage. Edmund tells his story of first talking with Michael Lush and how 1 question changed his life's trajectory and motivated Edmund to Replace His Employer and get into real estate investing. You'll also hear about the exciting platform we are creating called Replace Your University, which will house Replace Your Mortgage, Replace Your Employer, Replace Your Mindset, Replace Your Dollar, and Replace Your Banker.

Comment on this video or go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#20 - Stop Worrying About the Fed & Interest Rates Jul 07, 2021

Every time the Fed decides to raise rates, we get the same questions from many people. "How is this going to affect my HELOC?" We answer this question and talk about why you should stop worrying about what the Fed is doing with interest rates.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if the Replace Your Mortgage strategy is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#19 - RYM Changed My Life w/Michael Baker Jun 21, 2021

Today we have special guest Michael T Baker on with us. Michael became a client of Replace Your Mortgage 2 years ago and he says it changed his life. Because of the strategies we teach on how to utilize a first lien HELOC, he was able to pay off more of his principle without losing access to the funds allowing him to start his own digital marketing business.

Michael's company Perception Content Media helps Replace Your Mortgage with many of the social media marketing and design elements, including our YouTube channel. www.PerceptionContentMedia.com

Go to www.ReplaceYourMortgage.com for more information and to schedule a FREE consultation to see if the Replace Your Mortgage strategy is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#18 - Top 6 Things To Live Intentional Life Jun 21, 2021

If you're trying to live an intentional life, and want to know what we believe the Top 6 things are you should focus on to achieve the best results, then this episode of the replace Your Mortgage Podcast is for you. We don't always talk about nothing but HELOCs, and we want every one of you to be successful in life. We would love to hear your thoughts on these and comment below if you have other items in your Top 6.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if the Replace Your Mortgage strategy is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#17 - What do Mortgages & Yoga Pants Have in Common? Jun 21, 2021

This week's guest is Chris Payne from ULG. Chris is a mortgage expert who explains what mortgages and yoga pants have in common, along with some great insight as to why so many people in the mortgage industry prefer HELOCS over a traditional mortgage. If the experts are choosing this product, why shouldn't you?

Comment on this video or go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

The views and opinions expressed on this social media website are those of the individual contributor and do not necessarily reflect the views and opinions of University Lending Group, LLC or its affiliates. Comments posted in response to social media posts are the opinions of the users. University Lending Group, LLC is not responsible for the content of any third-party sites linked to or from our social media websites. While we do engage with others on social media, that engagement does not represent an overall endorsement of any business, organization, or individual.

Equal Housing Lender and NMLS #213179

#16 - Are We In a Real Estate Bubble and Will it Burst? May 18, 2021

A BIG question on a lot of people's minds is Are We In a Real Estate Bubble and Will It Burst? Although there's no way to predict the future, Michael and Matt discuss this question along with the current state of home prices and a quick nugget about Scottsdale, Arizona.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#15 - Can you get a HELOC on an Investment Property? May 18, 2021

We get asked a lot by our clients "Can I get a HELOC on an Investment Property?" In this episode of the Replace Your Mortgage Podcast we answer that question and give insight to how Replace Your Mortgage can help you understand how it works and when the best time to utilize that strategy.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#14 - Perspectives from the HOOD vs. the WOOD Apr 27, 2021

Michael Lush and Matt Workman talk about crazy sports parent stories and growing up in the hood vs the wood.

You never know the background of someone you meet, even through Replace Your Mortgage, and you might have more in common with someone than you know.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#13 - Do Banks Execute the Strategy? Apr 23, 2021

Another question we get is "Do banks execute the strategy?" In this episode of the Replace Your Mortgage Podcast we answer that question and give insight to how Replace Your Mortgage can help you find the right bank and teach you how to best execute on the strategy so you can pay off your home faster.

Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you.

You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#12 - Don't Try On Your Own - RYM Will Teach The Strategy Apr 13, 2021

Don't try things on your own, mentors will pave the way

#11 - Origins of Replace Your Mortgage Apr 07, 2021

Want to know how Replace Your Mortgage got started, our background and professional experience? Check out this latest podcast to find out.

#10 - HELOC's And The 2018 Tax Code - What You Should Know May 17, 2018

Hands down one of the biggest questions we get is can you still write off interest with HELOC's with the new tax code. In this episode, we cover this topic.

Also, if you have questions about your personal situation, you can book a free call here.

https://www.replaceyourmortgage.com/discover-pc

#9 - We Help Edmund And Stephanie Fontana Pay Their Home Off Faster And Buy A Vacation Home In Mexico May 14, 2018

Edmund is an assistant Principal and his wife Stephanie is an emergency room nurse.

In this episode, we talk about how they came to Replace Your Mortgage and what their biggest fears were when replacing their mortgage with a HELOC.

We also talk about how fast they are paying their home down as well as how they just bought their vacation home in Mexico. Exciting interview!

Lastly, if you would like to book a free discover call and get your questions answered, click the link below.

https://www.replaceyourmortgage.com/discover-pc

#8 - We Help Kim And Dayron To Pay Their Homes Off Quicker May 02, 2018

Kim and Dayron had a HELOC 10 years ago but didn't know about our strategy. They booked a free discover call with Randy to figure out what they should do on their multiple properties. Tune in and find out what happened next.

Also, if you would like to book a free discover call and get your questions answered, click the link below.

https://www.replaceyourmortgage.com/discover-pc

#7 - Don't Get A HELOC Until You Listen To This Episode Mar 22, 2018

In this short but important episode, David Dutton talks about the process of getting a heloc with Matt Workman. Matt has originated hundreds of mortgages in his career and now helps Michael Lush on the support side with our Replace Your Mortgage clients. He talks about some of the issues people go through when trying to get a HELOC.

Don't even think about getting a HELOC until you listen to this episode.

Also, feel free to reach out to us to schedule a free discover call so we can run your numbers to make sure a HELOC would work for you or not. Go to www.replaceyourmortgage.com/discover

#6 - The Truth About Mortgage Interest Rates And Total Interest Paid Mar 15, 2018

In this episode, we cover one of the most popular topics that we get asked about which is interest rates. It makes people nervous...but should it really? We cover that today.

Some of the other topics we cover are:

- What you don't know about mortgage interest and what banks rather you do not look at on your loan paperwork.

- Why you are missing out on opportunity cost and how David Dutton bought a $167,000 property thats worth $230,000 now.

- We go into 3 different scenarios comparing a mortgage to a HELOC so you see that a HELOC will win every time.

- We talk about our $1,000 challenge.

If you only listen to one episode today, listen to this one.

Also, feel free to reach out to us to schedule a free discover call so we can run your numbers to make sure a HELOC would work for you or not. Go to www.replaceyourmortgage.com/discover

#5 - We Help Major Michael Robinson Go From A 25 Year Mortgage To Just 98 Payments Mar 08, 2018

In this episode, we listen in as our consultant Randy helps Major Michael Robinson and his family get a plan to replace his mortgage with a heloc to allow him to go from a 25 year pay off date to just have 98 payments left. If you have rental properties or are thinking about acquiring them, this would be a great episode to listen in on.

We obviously bleep out the personal information.

If you are considering getting a heloc and you would like to have your numbers ran, please visit www.replaceyourmortgage.com/discover

Also, don't miss an episode, make sure you subscribe to this podcast.

#4 - Should You Get A HELOC Instead Of A Mortgage To Pay Your Home Off Faster? Feb 27, 2018

In this episode David and Michael discuss who should consider using a HELOC instead of a 15-30 year mortgage. Like most things, it isn't for everyone. If you are wanting to pay your home off faster and are considering a HELOC to do so, don't miss this episode.

Be sure and subscribe so you don't miss an episode.

#3 - We Help Erik And Emmy Go From A 24 Year Mortgage To Only 64 Payments With A HELOC Feb 23, 2018

In this episode, we help a couple named Erik and Emmy who had a typical fixed rate mortgage replace that mortgage with a HELOC so they can pay off their home faster.

Randy, one of our trained consultants walks Erik through his numbers and shows him a better way to finance his home to pay it off quicker as well as pay less interest.

We of course bleep out the personal number of our client for obvious reasons but you can get a glimpse in what it is like when you schedule a free discover call with us to make sure this strategy would work for you personally.

If you would like to have your numbers ran like Erik and Emmy, you can always visit our website at ReplaceYourMortgage.com. Its free.

#2 - How To Pay Off Your Home On Average of 5-7 Years Feb 14, 2018

In this episode, David Dutton talks with Michael Lush on the overview of replacing your traditional mortgage with a home equity line of credit and why you would do that in the first place.

If you are tired of looking at your mortgage balance and seeing each month that it is barely creeping down, you will want to listen to this episode.

Be sure and subscribe to this podcast as we have some success story episodes coming soon and we would hate if you missed them.

#1 - Our HELOC Story - Michael Lush and David Dutton Discuss Their Journey Feb 14, 2018

Before you can believe its even possible to pay your home off in 5-7 years, you might be curious about the two guys behind the movement.

In this short episode David Dutton and Michael Lush go into detail on how all this came about by sharing their story of using a heloc to pay off their home faster.

A fascinating episode into two guys who are changing how the middle class finance real estate and pay it off faster.

Make sure you subscribe so you don't miss an episode.

Replace Your Mortgage Podcast Trailer - What You Can Expect EP000 Feb 14, 2018

Welcome to the Replace Your Mortgage podcast. This is our short trailer sharing with you what the Replace your Mortgage podcast is all about and what you can expect.

David Dutton who is the co-founder of ReplaceYourMortgage.com, the #1 online resource for using a home equity line of credit to pay off your home on average of 5-7 years will be with you on this journey.

The show will feature discussions with heloc expert, Michael Lush as well as feature success stories of people paying off their home.

Before you do anything, make sure that you subscribe to this podcast so you don't miss an episode.

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