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Free Video Training: How You Can Pay Your Mortgage Off In 5 Years or Less On Your Current Income: 👇🏼https://bit.ly/3u0XXDAFree E-Book: Secret To Paying Off Your Home In 5 Yearshttps://bit.ly/3LA4cUjTo 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/@ReplaceYourUniversityIn 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!
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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
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.
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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
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.
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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
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.
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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
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.
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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
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.
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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
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.
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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/firstfridayFind Lance's book, "The Legacy Navigator," on Audible and Amazon: https://www.amazon.com/Legacy-Navigator-Lance-Welch/dp/1950476782.
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
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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.
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
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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
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.
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(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.
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
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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.
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
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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.
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
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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
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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
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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
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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
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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
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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
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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
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