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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:

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

Show notes

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

Show notes

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

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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

Show notes

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

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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

Show notes

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

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

#38 - Overcoming Limiting Beliefs Apr 28, 2023

Show notes

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

Show notes

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

#36 - Understanding Liquidity Apr 21, 2023

Show notes

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.

For more information about RYU please visit replaceyouruniversity.com

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