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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:

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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.

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