Replace Your University

Had a guy reach out not long ago. One house. Decent income. Making his payments on time every month.

He felt like he was doing everything right.

When we ran his numbers, his principal balance had barely moved in the first four years. Most of what he had been paying was going straight to interest.

He had no idea. That is not a personal finance failure. That is how a 30-year amortized mortgage is designed to work.

Once he understood the structure, everything changed.

20 hours ago | [YT] | 6

Replace Your University

Quick question:

When you signed your mortgage, did anyone walk you through the total interest you were agreeing to pay, not just the monthly payment?


Drop a yes or no in the comments. Genuinely curious where most people land on this.

1 day ago (edited) | [YT] | 3

Replace Your University

Most people think they have a mortgage problem.

They don’t.

They have a structure problem.

Your interest rate controls your monthly payment. It does not control how much interest you will actually pay over the life of that loan. What controls that? Time and balance.

The bank figured that out in 1913. Most homeowners still haven’t.


What would change for your family if you understood that distinction?

2 days ago | [YT] | 4

Replace Your University

Official Statement from Michael Lush and Replace Your Mortgage.

We've seen the news...

It's obvious that the big banks are not happy that we show people how to position themselves to pay off their homes in just 5 to 7 years. They want you to take 30+ years!

We use a special strategy with a HELOC to pay off debt super fast, which also gives you quick access to your cash for other uses. If traditional banks think that's a 'crime', then we'll do the time.

(Happy April Fool's Day! Don't worry - the only folks upset are the banks who want more interest payments!)

3 days ago | [YT] | 33

Replace Your University

Hey gang! Quick question for you. When you first got your mortgage, which number did your lender focus on the most?

4 days ago | [YT] | 3

Replace Your University

One thing that really stood out in the last RYM Live was how many people are trying to do the right thing financially, but they’ve only ever been shown part of the picture.

A lot of homeowners were taught to focus on the interest rate and the monthly payment first. And to be fair, that’s what most people were told matters most.

But the bigger conversation is what that structure is actually costing you over time.

That’s where a lot of people start seeing things differently.

Not because they’ve been irresponsible. Not because they haven’t cared. But because nobody slowed it down and showed them the full math.

Have you found that most people focus on the payment first, or the total cost?

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1 week ago (edited) | [YT] | 6

Replace Your University

One of my favorite lines in a movie. They were talking about this scene.

Ethan Tremblay: He really enjoyed coffee and in the end he was enjoyed as coffee. Circle of life.

Peter Highman: Lion King. All that.

8 years ago | [YT] | 1