Business

Replace Your University

This podcast is dedicated to helping homeowners pay off their home faster using a Home Equity Line of Credit and to pay way less mortgage interest than with the traditional 15 and 30 year mortgages they are sold. Sound too good to be true? Maybe. All we ask is you listen in as your podcast host Matt Workman talks with HELOC expert Michael Lush on the different aspects of how this strategy works and why the banks don’t want you to know about it. Each episode will share more details about using a HELOC as well as featured success stories from clients of Replace Your Mortgage. If you have a mortgage and you have looked at your principal not really lowering as fast as you would like, there is a reason for that. We cover how the debt cycle with mortgages keeps repeating itself and leaves the borrower paying double for their house and in debt until retirement age. If you want to pay off your biggest debt and be able to spend more time with your family, this podcast is for you.

Latest Episodes:

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

Show notes

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.

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

https://bit.ly/3u0XXDA

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

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

Show notes

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,

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

https://bit.ly/3u0XXDA

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

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

Show notes

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/

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

https://bit.ly/3u0XXDA

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

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

Show notes

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. 👇🏼

https://bit.ly/3u0XXDA

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

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

Show notes

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.

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

https://bit.ly/3u0XXDA

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

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

Show notes

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.

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

https://bit.ly/3u0XXDA

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

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

Show notes

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.

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

https://bit.ly/3u0XXDA

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

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

Show notes

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.

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

https://bit.ly/3u0XXDA

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

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

Show notes

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.

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

https://bit.ly/3u0XXDA

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

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

Show notes

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.

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

https://bit.ly/3u0XXDA

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