86 episodes

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.

Replace Your University RYU

    • Business
    • 5.0 • 7 Ratings

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.

    #87 - Bulletproof Your Finances with the 'Create Your Own Economy' Workshop

    #87 - Bulletproof Your Finances with the 'Create Your Own Economy' Workshop

    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

    • 9 min
    #86 - Why Smart Homeowners Are Choosing HELOCs Over Mortgages

    #86 - Why Smart Homeowners Are Choosing HELOCs Over Mortgages

    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

    • 9 min
    #85 - The Art of High-Yield Investments with Devon Johnson

    #85 - The Art of High-Yield Investments with Devon Johnson

    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

    • 20 min
    #84 - How to Build a Bulletproof Financial Blueprint

    #84 - How to Build a Bulletproof Financial Blueprint

    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

    • 10 min
    #83 - How Home Equity Agreements Prey on the Desperate

    #83 - How Home Equity Agreements Prey on the Desperate

    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

    • 14 min
    #82 - The Millionaire Mindset Part 2

    #82 - The Millionaire Mindset Part 2

    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

    • 8 min

Customer Reviews

5.0 out of 5
7 Ratings

7 Ratings

jberlin2 ,

Great podcast!

Really interesting podcast that breaks down mortgages and reveals what’s actually going on. They also look to provide a better solution for people that are a good fit and profit in an ethical and win/win better way. I’m interested in exploring this and grateful to learn this information!

Top Podcasts In Business

Money Stuff: The Podcast
Bloomberg
In Good Company with Nicolai Tangen
Norges Bank Investment Management
REAL AF with Andy Frisella
Andy Frisella #100to0
Money Rehab with Nicole Lapin
Money News Network
The Ramsey Show
Ramsey Network
Habits and Hustle
Jen Cohen and Habit Nest

You Might Also Like

Portfolio Builders
Wealth Cap Holdings
Investing in Real Estate with Clayton Morris | Investing for Beginners
Clayton Morris
Rental Income Podcast With Dan Lane
Rental Income Podcast
BiggerPockets Daily
BiggerPockets
BiggerPockets Real Estate Podcast
BiggerPockets
BiggerPockets Money Podcast
BiggerPockets