Because so many people overpaid for homes even while loan rates were low, I believe there will be a housing catastrophe because these people are in debt. If housing costs continue to drop and, for whatever reason, they can no longer afford the property and it goes into foreclosure, they have no equity since, even if they try to sell, they will not make any money. I believe that many individuals will experience this, especially given the impending mass layoffs and rapidly rising living expenses.

@jones9-

17 күн бұрын

I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!

@KarenLavia

17 күн бұрын

You're correct! With the help of an investment coach, I was able to diversify my 450K portfolio across markets and produce slightly more than $830K in net profit from high dividend yield equities, ETFs, and bonds.

@ScottKindle-bk3hx

17 күн бұрын

Would you mind providing details on the advisor who helped you? saving for a pension through a corporate program since the age of 18. I hit greater tax along the road, so I increased my company pension with a SIPP (tax benefits). I'm now 50 and would love to expand my finances more aggressively; there are a few automobiles I still want to drive and a few mega-vacations that I still want to take.

@KarenLavia

17 күн бұрын

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

@berniceburgos-

17 күн бұрын

I located her, sent her an email, and scheduled a call; hopefully, she will reply because I want to start the new year off financially strong.

just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.

@beardswashingtonmen

6 күн бұрын

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge

@MarcelMcGowan

6 күн бұрын

Very true. despite having no prior investing knowledge, I started investing before the pandemic and pulled in a profit of approximately 950k that same year.. In reality, all I was doing was getting professional advice

@McKnightCutkosky

6 күн бұрын

How can I participate in this? I sincerely aspire to establish a secure financial future and I am eager to participate. Who is the driving force behind your success?

@MarcelMcGowan

6 күн бұрын

I'd say a little due diligence "Dianne Sarah Olson" truly exceptional

@adelineChulack

6 күн бұрын

Thank you for this tip. it was easy to find your coach. Did my due diligence on her before emailing her. She seems proficient considering her résumé..

Our last mortgage payment is going out on August 29th of this year. 30 year mortgage paid off in 11.5 years.

@Ashley10056

17 күн бұрын

Congrats! Any tips on how you executed this?

@caitox

17 күн бұрын

Killin it! Congratulations!!

@froggore52

17 күн бұрын

@@Ashley10056 We put EVERY extra cent towards the mortgage.

@GB-zk8tq

17 күн бұрын

good job! Get ready, budgeting is about to get WAY more fun!

@kristinadams3511

16 күн бұрын

Good job

I worry the inflation will eat up my savings if I leave it in the bank. I have about 180k that I want to invest in the stock market, but I don't know how to start. Any suggestions?

@cloudyblaze7916

10 күн бұрын

Inflation is really a silent eater of the value of your money. Good thing the stock market can help you beat it. But it's wise to actually learn how to invest, or to make it easier and more effective, you could work with a financial advisor.

@gregorywhem

10 күн бұрын

I agree. There's a lot of potential in the market. My friend introduced me to a financial advisor in 2021, and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey.

@albacus2400BC

10 күн бұрын

That's really great. I've tried doing some research myself to hire a financial advisor, but it's really overwhelming. Could you recommend who you work with, please?

@gregorywhem

10 күн бұрын

Sharon Lynne Hart is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

@FeelMyTruth

10 күн бұрын

Thank you for this. I'll send her an email, and I hope I'm able to reach her.

I sold an apartment in Springfield and made about $250K. I was frustrated when I only earned $171 in interest from a regular savings account. After doing some research, I was advised to invest in stocks. Are these stocks a good point to start from?

@biankabrodeur01

12 күн бұрын

While the stock market is promising and can give good ROI, expert guidance is essential for effective portfolio management so you don't get burnt out in the market as it is very volatile.

@SaintYvess

12 күн бұрын

I opened an online high-yield savings account with 5.12863% interest compounded daily, expecting to get $2,500 in interest on my initial $50,000 at the end of the month. Instead, I only received $420. When I inquired, I was told the interest is calculated daily, which was not clearly stated on the website. My partner advised me to divert into stocks through an advisor, and in just six months, I achieved over 80% capital growth, excluding dividends. Highly recommended!

@SlParkerlee

12 күн бұрын

Pls how can i meet this advis0r? i want someone to help me invest my divorce settlement, It's just being laying around in the bank without much interest.

@SaintYvess

12 күн бұрын

Melissa Jean Talingdan is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment. She’s really good

@SaintYvess

12 күн бұрын

I’m hesitant to make recommendations like this online so I can't drop her contact here, but you could look her up yourself and contact her if you wish. Her name is Melissa Jean Talingdan.

I often wonder how top level investors are able to become millionaires by investing. Just made a home sale and I’ve been sitting on about $545K equity, not sure where to go from here. Is it a good time to buy into stocks or do I stay 100% cash?

@fromthebirchwood

13 күн бұрын

the stock market this year is at an all time high and a good number of folks raking in huge 6 figure gains, tho such strategies are most times successfully executed by folks with in-depth market knowledge

@speak2selwyn

13 күн бұрын

Very true, despite having no prior investing knowledge, I got fully invested before the pandemic and pulled in a profit of approximately $150k that same year. In reality, all I was doing was getting professional advice. As of today, I'm only 10% shy of a million dollar pfl.

@okaydamian

13 күн бұрын

@@speak2selwyn truly appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a reputable advisor... mind sharing info of this person guiding you please?

@speak2selwyn

13 күн бұрын

Karen Lynne Chess is the advisor I use. Just google the name. You’d find necessary details to work with and set up an appointment.

The number one benefit you mentioned is less stress. Imagine a world where you don’t owe anything to anyone.

@spdog3344

13 күн бұрын

Yes! Now if we could just get rid of those taxes haha

@mannya_realtor

12 күн бұрын

@@spdog3344haha I was this close to writing in parentheses (except for the government) 😂

$78,500 left, payoff date July 1, 2026. Let's gooooo!!!

@dn2l

15 күн бұрын

I will be jittery when i get my balance below 100k. Well done!!

@adolisfernandez1321

13 күн бұрын

I have 36k left, I am planning in 8 months to finish. I’ll finish in 13 years in total. In 2020 I started watching KZread videos and I changed my mind set.

@jwarnstarsmile

13 күн бұрын

@@adolisfernandez1321 amazing!!! Congratulations!! 🥳

@alineuwiragiye7704

6 күн бұрын

Don't have up 😂

@vik141

5 күн бұрын

YOU CAN DO ITTTT!

Paid off 54k in student loans in two and a half years. I plan on applying my same method to my mortgage.

Paid off mortgage in ten years two decades ago. Was able to send kids to private schools all the way and retire early. Best decision we made.

Just paid ours off last week. Did a 30 yr in 12 yrs.

@GB-zk8tq

17 күн бұрын

Good Job!! You are about to find out what peace feels like

@robbernstein4582

17 күн бұрын

Paying mine off in 12 years too, but I have another 6 years left.

@CaptainBenjamins

17 күн бұрын

Nice job, what was your interest rate?

@tturner0051

16 күн бұрын

@@CaptainBenjamins 3.95%. Yes, I know HYSAs are giving more than that now. No, I dont care.

@randucci

16 күн бұрын

*Applause*

We put 20% down on a £400k home in the UK, and paid off the £320,000 mortgage in five years. No gifts from family, no windfalls, just full focus and hard work. Almost a year since we did it and the peace we feel is unmatched! All of our money stays with us now, and we are having TONS of fun budgeting it for future goals!

@motoryzen

17 күн бұрын

I've never thought to ask anyone from the UK this until now do you all pay taxes on your land that your houses are on?

@caitox

17 күн бұрын

@@motoryzen You pay Stamp Duty when you first purchase your home. How much you pay is based on factors like whether you're a first-time buyer, price of the property etc. Other than that I just pay a monthly Council Tax which is around £150/mo

@Observer100-cn7gv

17 күн бұрын

Are you searching for applause or award? Who asked?

@nibekus

17 күн бұрын

Heck yeah! Congratulations! I just married a British woman last month. I'll be making my move over to the UK from the states. We plan to buy a 2nd home in the near future.

@caitox

17 күн бұрын

@@Observer100-cn7gv Literally George did, at the end of the video 😂

We are a school teacher and a IT support tech (translate to mean = not rich/ not high income household). We paid off our house (3 bedroom 2 bath with 2 car garage on 1/2 acre, in cincinnati suburbs) in the span of around 3 years with help from the Ramsey program. HOLY COW, this is crazy, it created a new weird situation now... we have extra money... and peace. Our lives have been dramatically changed.

My husband and I started the baby steps 7 years ago. It took us 2 years to pay off $42K in consumer debt. We have three kids 5 & under. We just paid off our mortgage a couple weeks ago! It took us 4.5 years to pay it off. 🎉

@davechung

16 күн бұрын

Congrats! Can't wait to get there! How does it feel?

@Ansmousoeesoj

16 күн бұрын

Congratulations 🎉

@richsamuel2922

16 күн бұрын

Thank you for mentioning your kids so many people use their kids as a reason of why they can't do whatever.

@alexacox2206

16 күн бұрын

@@davechung peaceful! It hasn’t fully set in since we haven’t had a month with no mortgage payment yet. We’re excited for what the future holds!

@alexacox2206

16 күн бұрын

@@richsamuel2922 my kids are the reason to do this!!! 🤍

*Investors Quick Survey #13:* For your shared investing ideas, what do you think will be the next Apple/Microsoft in terms of growth?

@herbertAnderson534

7 күн бұрын

None for now. It's getting harder to predict market trends post covid, the market is so volatile rn can go down anytime and eat your whole deposit.

@ANTHONY_esq

7 күн бұрын

I mean no disrespect, but you are wrong... Believe it or not, the market isn't as bad as some people have made it look... Only small and mid-caps seem to be stagnant other companies are making record profits... As a beginner investor who knows next to nothing, I have made over $30k profit in a few months... I was retrenched recently, and I am using these resources to keep body and soul together.

@KTMarion

7 күн бұрын

Hi ANTHONY, your profit margin is quite impressive for a beginner. Good for you!!!! can you share your spreadsheet or investing journal?? inadvertently, i sold a boatload of my portfolio recently.

@ANTHONY_esq

7 күн бұрын

I have never drawn up a spreadsheet or trading journal, it's of no relevance to me... I simply follow Kelly Matwick's investing techniques and guidance... You can look her up she's registered.

@Bethel485

7 күн бұрын

Tsla has beaten both Apple and Microsoft in 3 months, 6 months, 1 year, and 3years charts. BTW, I commend Kelly's investing perspective and honesty.

Hey. My boomer spreadsheets have served me well. 😅 Great video. Retired abroad, debt free and enjoying life.

@bradleygraves5915

17 күн бұрын

Currently serving me very well as I type this.

At 2.75% interest I’ll park my money almost anywhere else.

@hisaddle

15 күн бұрын

Same here, at 2.75%, invest money to make more rather than pay off the house. I work for a large credit union, we are borrowing money at 5% to lend at 8% to make money.

@9thebigcool

14 күн бұрын

Agreed, but on the contingent that any extra money I would normally throw at the debt is kept in a safe asset like bonds, cds, or PUAs.

@jonpowers7070

10 күн бұрын

I dont know man having 1750 bucks back a month to invest and spend on my family sounds amazing.

We have a goal to pay off our 15-year mortgage in the next 2 years. We started with a 30-year mortgage and refinanced when the rates were super low, so the total payoff time will be about 10 years. We've been putting extra every month into the house, and we're getting super excited that we're almost done. We can't wait to not have a mortgage payment!

@vasyak9264

4 күн бұрын

Congrats!

@Lionheart_He-Man

4 күн бұрын

‘Go get emmmmm’, freedom is coming soon, stay on course! 😃 My goal is to pay off the rest of our mortgage in the next 3 years after 12 years living in the house. We started paying more than double monthly 8 months ago 🏠

@lancepattywalker2348

4 сағат бұрын

Same 😊

We paid off our house in 8 yrs 10 months! 🎉

Video starts at 05:40. Concept of paying a mortgage early is akin to working/harder to receive more than you would/have.... Good idea as long as long as you take care of yourself/and others in the process🙏

@noahallen5046

2 күн бұрын

Thank you. It's amazing to me how many DR videos have so much fluff in them. I know, I know, this technically isn't a DR video...

My 9 year old is George’s biggest fan. He loves the cleverness and creativity that accompanies the good financial info. Keep up the good work!

Your channel is not only so informative and easy to follow, but unbelievable unique and super fun to watch❤

@V8Brah

16 күн бұрын

Not really, it's for the simple minded.

@brendamclean8447

16 күн бұрын

@@V8Brah and yet, here you are

Buying is great if you find a great deal in great location. It's not really a "profit" until you sell, though. So your networth will climb, which feels pretty good, but you would still have to pay rent or buy a new house if you were to sell. You would have collateral, though, which means you could borrow money for other things. Or you become a landlord like Graham and you get other people to pay your mortgages for your downpayment/investment. But owning a house will soak up a lot of your income compared to finding cheaper rent. Mortgages kind of suck, because they make you pay more towards the interest than the towards the actual ownership of the house.

@marlisamirabal

17 күн бұрын

With the US dollar losing value to inflation and other currencies gaining traction, uncertainty looms. Yet, many still trust in the Dollar's perceived safety. Worried about my $420,000 retirement savings losing value, I seek alternative security for my money.

@Cammimullens

17 күн бұрын

With my demanding job, I lack time for investment analysis. For seven years, a fiduciary has managed my portfolio, adapting to market conditions, enabling successful navigation and informed decisions. Consider a similar approach.

@KarolQasba

17 күн бұрын

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

@Cammimullens

17 күн бұрын

My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

@KarolQasba

17 күн бұрын

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

I started watching dave Ramsey about 2 yrs ago.. (finally out of debt) I’m 52, I wish I had my current thought about money earlier in life . I have been able to make better financial decisions, and am focusing on paying off mortgage.. thanks for all the advice George. You help keep me motivated! Btw I have 63,000.00 left on my mortgage.. if I keep on track, I think in 3 yrs it will be paid off..

@scotthellmann8109

12 күн бұрын

You're not out of debt if you still owe $63,000 on a mortgage 🤑🤡🙈

Issue is, income vs. Inflation vs. Margin. My wife and I made it to 4, 5 & 6, but have stalled out. Mainly, Inflation has eaten into the margin we used to get to 4, 5 & 6... and even with side hustles and cutbacks, it's all we can do just to keep our expenses to our income level, which means we're treading water. My wife and I both work almost full time, and its not so easy to just up and find a higher paying job. And so, we soldier on!

@Lionheart_He-Man

3 күн бұрын

Stay strong, you got this! 🤓

I “was” scheduled to pay off our 30 year mortgage in 9 years 9 months by March 2026. I’ve been tightening a few things to save more here and there, and now I’m scheduled for October 2025, so 9 years 4 months. If I can squeeze even more out of this home stretch, I’ll try for summer 2025 to pay it off in just 9 years! Can’t wait.

Just paid mine of yesterday June 27th would have been 9 years. I'll be 36 next week. Work construction, live in CA have four kids and a stay at home wife. IT CAN BE DONE JUST HAVE TO GET UP AND GET MOVING.

And to add..... if you are in the first few years of a 30 year, those extra dollars are at their most powerful. More specifically, if you make a plan to say, buckle down for just the first 2 years and make double payments (house payment only, not taxes and insurance that most mortgages include), each overpayment will cut off 4 payments or more from the end. In short order you can cut off like 8 years off the end with a little suffering and a goal. After the 2 year blitzkrieg, you can start going to a normal budget, and hopefully throw a couple hundred extra bucks a month at it. But those first few years are the most important for saving massive amounts of interest.

@xxtoptankxx6873

16 күн бұрын

That’s what I needed to hear, definitely gonna try to push hard for 2 years. Luckily company is wide open OT. Desperately need people.

*Quick Survey #13:* For your shared investing ideas, what do you think will be the next Apple/Microsoft in terms of growth?

@herbertAnderson534

14 күн бұрын

None for now. It's getting harder to predict market trends post covid, the market is riskier than ever. Sadly, 0% rates pushing everyone back into the market.

@ANTHONY_esq

14 күн бұрын

I mean no disrespect but you are wrong... Believe it or not, the market isn't as bad as some people have made it look... Companies are making record profits... As a beginner investor who knows next to nothing, I have made over $30k net profit in a few months... I was retrenched recently, and I am using these resources to keep body and soul together.

@KTMarion

14 күн бұрын

Hi Mr.Anthony, your profit margin is quite impressive for a beginner. Good for you!!!! inadvertently, i sold a boatload of my portfolio recently. pls can you share your spreadsheet or investing journal??

@Thompson7888

14 күн бұрын

Tesla has beaten both Apple and Microsoft in 3 months, 6 months, 1 year, 5 years and 10 years charts. BTW, kelly Matwick is by far my favorite female advisor because of her honesty.

George is the best, we are renting and just saving up to buy a home in cash l - we think it will take us 5-7 years. Would rather have a blessed home than a cursed home.

We’re snowballing our rental and primary residence right now (since it’ll take less than 5 years for us to complete, we’re keeping the rental per Ramsey guidance). Our rental should be paid off by April of next year, and then we should pay off our primary residence about 2.5 years after that with the mega snowball effect of a paid off rental. It’s gonna be awesome.

@traybern

7 күн бұрын

Snowball is INCREDIBLY STUPID!!!!

I’ve had the goal to pay off my house. Until I thought about this… I paid $175,000 for house. Will be paid off in 8 total years. My income is lower than when I bought house in 2018 and went from 0 to 3 kids. When the house is paid off I’ll need to repurpose the $1,800 a month to other budget areas. Here’s the issue. If I move to ANY other city (I live in small town) in the world the same house I have is 400,000 in places. So I sell my house for $250,000 if I’m lucky around here. Hooray, I’ll still have to finance $150,000 to get comparable house. So I’ll still have to finance around same amount I did to start. This really works if you plan to stay in paid off house or can repurpose your paid off mortgage to invest and save for next house. I feel I’ve wasted all these years working hard paying off a house with 2.5%. My life season changed (more kids, eventually need bigger house, or will move cities) from my original goal. Not to mention home insurance doubling, new AC, etc.

I plan on paying off my mortgage early, but at 3% interest, it's much faster to invest my extra dollars. A 10 year payoff schedule for a $300,000 mortgage would be $2,896.82/month. With a 30 year mortgage, making a payment of $1,264.81, you invest the difference of $1632. Assuming 10% rate of return, after 8 years you would have $234,048 and the remaining balance on the mortgage would be $236,261.50. So the house would be paid off 2 years sooner. It also gives you increased flexibility. The only downside is that it requires more discipline. You have to actually invest the difference and not buy some dumb crap you don't need instead.

@Jrichardstein

17 күн бұрын

Leaves out the risk of investing, you can’t guarantee you’ll have 10% return annually at any specific point in time. Market could be down or up, who knows.

@Simon-vo7gi

17 күн бұрын

@@Jrichardstein Over 30 years invested in index funds, you are most likely to average at least 8% annual returns.

@nickstark8479

17 күн бұрын

@@Jrichardstein Definitely risk involved over short term... if he planned to pay off right at the 8 year mark, don't know if markets will be up/down... But over a 20 year time frame, nearly guarantees you will have made enough to pay the mortgage off 3x over.

@SquatsAndThoughts

17 күн бұрын

I came to say the same thing, This definitely is the better way to go. Paying off your house early just misses your chance for your wealth to compound over time.

@ryjoph89

17 күн бұрын

This is the way. Historically S&P index fund average 10% (or as George's friend Dave Ramsey says 12% but ok) even if it were 7% your outpacing that mortgage significantly. It's riskier to throw all your money in for 10 years during those younger years when compounding interest has time to really work hard. Go look at charts of investing $100 from ages 20 to 30 vs ages 30 to 60 and those 10 years when your younger beat out 30 years when your older.

hopefully will have ours paid by 2026. making double payments last 3 years. original price was 260k and down to 100k now. its fun to watch it evaporate. follow george's advice and make sure you have an emergency fund maintained so that you dont go back into debt.

I struggle with this. Debt free except the mortgage and have the resources to pay it off but the opportunity cost is MASSIVE

Thank you for this video!

We will have our 10 year mortgage paid off next month..6 years early!! Yep! Almost exactly 4 years! I am so excited. It would have a.ready been paid off had my husband not gotten sick..we didn’t want to hit our emergency fund too hard..so we added 3 months to the pay off! I love it and I am so excited!

I did a combo - expedited my pay,met towards principle until I have enough to pay it outright by liquidating if sht hits the fan. Then I shifted focus on securing my retirement and investments. My mortgage is 2.25% on a lower principle amount than my portfolio growing at 7-10%. It just makes sense mathematically and from a peace of mind standpoint on both fronts.

I followed this plan and it feels amazing!

I'd rather invest the money remaining at the end of the month in an S&P500 ETF that pay down debt at 2.65% interest rate.

@hisaddle

15 күн бұрын

Yup. I work for a large Credit Union, we are borrowing $200 million a month at 5% to lend at 8% to make money to pay dividends to the members. (all of the deposits are already lent out for loans).

@traybern

7 күн бұрын

THAN!!!

Currently on Baby Step 3b. And at my main job I'm getting incremental raises of 5k a year until I reach 40k in 3 years. Heist plan: Stay at my second job washing dishes through December, which turns our house savings to 20k. Using the raise next year I'll have 45k down on a 220k house (rural Iowa ftw), and after retirement and 529 contributions will be contributing an extra $500 a month to mortgage payoff. Following year cranks it up to $700 a month with $80ish increases each year after that. I'll have the house paid off when I'm 39 and 4 months old. I just turned 28. I can do this

"Play Pickleball without compression socks!" That's wicked and too true, Young Kamel!

I draw the line in the sand at 5% mortgage rate. If it’s over, pay it off faster. If it’s under, invest in the stock market.

@hisaddle

15 күн бұрын

I work for a large Credit Union, we are borrowing $200 million a month at 5% to lend at 8% to make money to pay dividends to the members. (all of the deposits are already lent out for loans).

More people need to take your advice

163k to go, should be paid off in December 2025. 30yr paid off in 15 years. Happy with that considering my husband isn’t a particularly good budgeter.

I see comments about rates of people that have great interest rates on their mortgages, and this method wouldn’t work for them. GREAT! ….. Most people with money issues don’t have their money already working for them, and their mortgage rates are high. That’s when his method will work. Not all methods are for all people.

I got a 2.25% interest rate. I have the money to pay off my house today, but will never pay a dime ahead, because the opportunity cost of what I would make keeping that money in the market vs paying off my house 26 years ahead with the same money is literally hundreds of thousands. Even guaranteed rates are twice what my interest rate is if I'm concerned about "risk." I'm not throwing away hundreds of thousands of dollars, and instead making the bank fund my retirement with the interest rate they gave me that's below inflation.

@edwinroyal9734

17 күн бұрын

Yeah, that should be obvious to anyone. Everyone should be focused on maximizing their retirement plans before considering paying off their house early.

@randomuser5200

17 күн бұрын

Pay off your house and the value of the house will rise faster than the value of your investments, and any money you make after paying off can be invested.

@chadbailey7038

17 күн бұрын

Pay off house. Take mortgage payment. And put in investments. Money still grow fast. 😊

@froggore52

17 күн бұрын

You put "risk" in quotation marks as if it's not a real thing. Until you pay off your house, you don't own it, the bank does. And one major life setback could spell ruin. That alone is reason enough to pay it off early.

@edwinroyal9734

17 күн бұрын

@randomuser5200 historically, home values in the US have appreciated around four percent per year. If you can't make that investing, then your investments are far too conservative.

$20,000 invested into the market late last month, and today it's up $61,342. Already crossed $5k\daily NET profit. Loves the videos mate keep going❤️🎉🎉

@wangjie5635

16 күн бұрын

How please???

@RegisBernard163

16 күн бұрын

Thanks to my co-worker(Alex) who suggested mrs *Elizabeth Regina nelsen*

@RegisBernard163

16 күн бұрын

Her top notch guidance and expertise on digital market changed the game for me

@noahwilliam1288

16 күн бұрын

Wow! Kind of in shock you mentioned expert, Elizabeth Regina Nelsen. What a coincidence!!

@AlexaWanderland

16 күн бұрын

I used to work 3 jobs, full time at Walmart, a server at night and Lyft on the weekend, untill elizabeth regina nelsen change my story.

Ours will be finished in September or October. I haven't decided. It depends on how much we cashflow needed repairs vs. throw at the mortgage. Either way, we cut our thirty year loan in half by following the baby steps. Since we started, it will be 5 years from FPU to paying the mortgage off.

On track to pay mine off in 6 years. I am already putting 15% in a 401k. Every pay raise I get, that money towards my mortgage. I did a 30 year loan (not what Mr. Ramsey advises); but life happens and can always go back to my original payment.

"Having a mortgage keeps your net worth in the negatives for years" - George Kamel. Meanwhile, every net worth report that comes out shows that the majority of Americans net worth IS home equity, regardless if they have a mortgage or not. Debt should be handled cautiously, but if you're young, you'd likely set yourself up for far mor success if you focusing on having a higher savings rate and maximizing your retirement accounts before considering paying down a fixed rate mortgage.

@motoryzen

17 күн бұрын

1. Show me these reports. Because I've yet to see one that proves your point to be correct 2. As usual like so many other dime a dozen that worshiping morons, you are not accounting for risk . If something happens be it you lose a job or something along those lines and the banks which they can find out through the system, that you're having difficulty reopening enough income to be able to afford that mortgage, the bank can legally call the note..ANY time they wish in accordance with state/and/or federal laws. .. if you're gullible or dumb enough not to ever try to account for risk in life, then you're going to get kicked in the teeth more often than you plan on and you're going to realize how much it slows you down worse versus just ensuring you've got some cushion between you and fate

@85transam

17 күн бұрын

Yes 🙌🏻

@edwinroyal9734

17 күн бұрын

@motoryzen just do the math. If your mortgage interest rate is lower than your expected return in the market, you're putting your money in the wrong place by paying down your mortgage. Another thing to remember is that IRA and 401k contributions have a cap to the amount you can contribute every year. So if you pay down your mortgage instead of maxing out those accounts, once your mortgage is paid off you may find yourself in a situation where you have to contribute to an after tax brokerage account earlier than if you would have just focused of maxing out your tax advantaged accounts all along. Remember, personal finance is personal, and everyone's situation is different so I'm not saying that's what everyone should do. Just my thoughts based on simple math.

@nickstark8479

17 күн бұрын

Yeah when he said this I immediately knew this was wrong lol. The value of the property minus how much you owe on it is added to your net worth... As long as the value of your property didnt go down significantly, you should always have a positive net worth on your property while you still pay a mortgage lol.😊

@motoryzen

17 күн бұрын

@edwinroyal9734 broke people Worry about interest rates on debt period Wealthy people worry about interest rates on savings and investment retirement accounts Do the math AND human behavior math. If you're ever going to stop being in a hole and worrying about building wealth, you need to assess for risk first cover that and then build everything up. So what happens if something happens to you B it medically or job loss wise anything that affects your ability to keep generating the same if not more income, and you're not 59 1/2 yet I'll tell you exactly what's going to happen you're going to end up even going into debt using credit cards or another method or you're going to end up taking an early withdrawal from your retirement and you're going to pay a nice big fat penalty tax like an idiot Thus digging against all that so-called extra growth that you used in your little example which didn't account for risk involving keeping the house payment around like it's a damn pit. I got news for you. Your net worth of your home is going to be the same or grow whether you owe on it or not The Ramsey Solutions team has already done the math on this and for those who just paid only what was required on a home whether it's a 15 year fixed rate low interest mortgage or whether it's a 30-year fixed rate or 30 year arm or 15 year arm.... vs.... pay not only the minimum monthly payments but extra towards principal as fast as they could to pay it off they have found that the absolute vast majority of those who have chosen the latter have been able to build a bigger retirement income in the end then keeping a house payment around for a pet longer than necessary Regardless whether it's doing the math or not it's not a math problem it's a human behavior problem Those who do not account for risk are at a higher risk of Murphy visiting them and kicking them in the teeth. It's not like this is secret nor has it ever been and this is been the case throughout all of humanity since the dawn of humanity and home mortgages History and facts do not care about your feelings but you do you can you plow right ahead and you do what you need to do and if something happens and you lose your job or you get injured and somehow and you can't work for a long period of time and you've got no one else to pay your mortgage for you and you end up being evicted because the bank has the legal right to evict you even if you're 30 days late let alone most often it really is beyond 90 or 120 then somehow quote I told you so doesn't cover it, does it? Lol

Paying off the mortgage early is one of the things I disagree with Ramsey folks about. Mathematically speaking it just doesn’t make sense especially if you got a mortgage back when rates were low a few years ago. The average household income in the USA is 75000 and if you got a 15 year fixed mortgage you could afford about a 215-220k house if you follow the 25% rule if you’re income is average. So if your rate is 3.5%you would end up paying 60k in interest paying the minimum. Instead of doubling up on mortgage payments match your mortgage payment into the market. Assuming a conservative 8% rate of return over 15 years you will have made 225k on interest alone.

@nickstark8479

17 күн бұрын

Yep... But many people only see the "interest cost" and forget to see interest can be "gained" also. His "rich people make interest, while poor people pay interest" statement forgets that rich people pay low interests in order to fund and make higher interest returns elsewhere.

@ryjoph89

17 күн бұрын

@@nickstark8479 Exactly! Act like the banks... they leverage money to make interest and pay you less interest. So earn that higher interest investing and pay the banks less interest

@DimensionN87

17 күн бұрын

@@nickstark8479im interpreting this vid as, you should want to build interest, stocks, investments etc. but a roof over your head should be paid off as soon as possible so you can do that with less risk of losing your home. Though im still learning about this stuff so idk. i think theres some things you shouldnt be in debt too long over like transportation and homes are one of those things imo

@nickstark8479

17 күн бұрын

@DimensionN87 Fair. My mentality that housing is one of the only things you can be reasonably in debt to since, generally, it is the only major asset most people own that tends to go up in value. If you can't stomach being in debt for something as consistent and necessary as housing, there's no debt which you should partake in imo.

@LoiFamily

16 күн бұрын

While in principle I agree, I think the Ramsey people view this more of a psychological issue and not a mathematical one. IF (and that's a big IF) people were disciplined enough to throw the second payment into investments and not their daily latte every month for the next 15 years, then maybe when you push them a bit they may concede that mathematically you would be right. But I think that the Ramsey people would say that in their experience, they have witnessed people spend more than they save so the likelihood they are disciplined to invest the other payment is lower than we'd think - hence the stat that (what) less than 30% are able to afford a $1000 emergency - something like that. What may be mathematically intuitive to some is not to all.

That’s the ultimate finish line, paying off the house !!!!

George Kamel, fun fact: [0:40] the minced oath sacré bleu (from "sacrament") is not used in France. It's a French Canadian Quebec thing.

Looked up Laurel road. It doesn't connect to your every dollar app. Can you make a video on ones who do and are good as well.

I started getting into serious budgeting only a few years ago and making extra principle payments. Now I'm expecting to pay it off 14 years early.

When you say average is $1700/month what does it include? PI? PITI? Saying a zero mortgage payment is incorrect if PITI as you will always have taxes and insurance. Enjoyed the video message on eliminating the debt as that's what is important.

We have huge daycare payments and are prioritizing investing because of the compounding potential on dollars invested in 20s/30s. so once the kids are school age and daycare payments are gone, we plan to pay off the house in our early to mid 40s probably. Sounds nice to have the peace of no debt at all.

In Canada we don't get a tax deduction on primary residence mortgages.

@poolking25

16 күн бұрын

It's not great in the US either now that the standard deduction has gotten a lot bigger

Do be careful of overpayment fees. Depending on where you live and what sort of product you have, you may incur a fee if you exceed a certain limit of additional payment. If you would incur such a fee, you'll need to break out the calculators and work out if eating the fee saves you so much money on interest that you are still saving money by increasing mortgage payments. Otherwise there may come a point where it's more financially efficient to acknowledge that you've reached a point of diminishing returns on the mortgage and look for other ways to save/invest.

Great video!!!!!👍🏿

@economicdevelopmentplannin8715

7 күн бұрын

Get money buy assets ❤

I love your videos! I love that you are half Egyptian ❤ beep beep Masr. I was wondering if you would consider spreading the good news about financial peace in Coptic churches. We really need this!!

Great stuff. Thanks for the info. I have a question though. Does it matter If I pay double my mortgage payment once a month or send in the mortgage payment once every two weeks? For clarity, let's say my mortgage payment is $1500 and due on the first. Does it make a difference if I send $3000 every month on the first or send $1500 on the first then another $1500 on the 14th?

@Malko_pile

17 күн бұрын

George made a video about that and the by-weekly mortgage payment is actually a hack and saves interest apparently, but not every bank agrees to this, so watch his video explanation about it.

@hisaddle

15 күн бұрын

bi weekly makes no difference. the monthly interest is already set on a mtg. Cars and credit card loans calculate interest on the current principal amount, daily. so paying those loans sooner at anytime helps you pay less interest than originally planned. .

1700 is nothing for even a small home. Median home price is over 400K so 3K mortgage at least. So just dropping 1k extra a month will look like 48k a year just to get it done in 14 years on a 30 year mortgage

You know, this is exactly what my parents did when I was growing up. They paid off their house and saved a bunch for retirement. They turned very little into substantial security. You know what though? They never learned to enjoy life and they have regrets about what they didn’t do along the way. Now they have wealth without their health. I’d rather inherit a bunch of great memories. All this to say that all this is fine unless it’s at the expense of making memories. I think I’ll keep my 2.75% mortgage payment and not worry about paying it off until my kids are grown and gone (even though I do pay extra each month). We do lots of fun things as a family with our children, some things are cheap, some are not, all are priceless. No other debt but the house. 😊

@mattmarcantonio

9 күн бұрын

I’m starting to feel this way too!

@blanketwodahs6741

7 күн бұрын

There is zero wrong with that. I built a spreadsheet that calcs cash flow and paying off house vs saving for retirement, including taxes, and "pay off house, invest later" almost never wins. and when it does, it is by a slim margin. Paying off the house is simple, people can wrap their head around that. but I am starting to believe that if someone cannot manually amortize a loan, and manually calculate their taxes, and manually project recurring investments and returns, they shouldn't be weighing in on the "best way" of anything financial. You don't need to pay off your house. there are scenarios where not doing that creates a vastly higher net worth. But if people cannot calculate this option themselves, they never know what could have been, so how can they have "any regrets" ? I have asked repeatedly in strings of comments of people who paid off their house: "did you also fully fund a 401k while you did this??" .... I get silence in return. That tells me a lot, actually.

@blanketwodahs6741

7 күн бұрын

My wife and I built a seven figure net worth in just under 7 years while carrying a mortgage. We fully funded every retirement account we had access to, saved hundreds of thousands in income taxes, raised our kids and just ..... lived our lives. Fast forward to today, kids are in college at our expense, and our YTD net worth is +300k, doing almost nothing. We still have a mortgage, and we bought some nice cars to boot. What good is any of this is you don't enjoy it at some point? I have to wonder, seriously, about people (even these youtube finance "experts"), who would worry about your 2.75% mortgage while paying no attention to the tens of thousands they are paying in income taxes. There is a lot to take advantage of there if you look.

@derricklaw1

7 күн бұрын

@@blanketwodahs6741My folks paid the house off and fully funded retirements at the same time. They did really well with little, but that misses my point. They didn’t need to do quite so well and they missed out on enjoying their best years because they were hyper focused on the someday. Now the someday is here and they have neither the health nor energy to enjoy it. What a shame.

@derricklaw1

7 күн бұрын

@@blanketwodahs6741Ramsey’s crew is great for the financially illiterate/irresponsible types but not so much for the high income, high credit score, high financial IQ people out there. “Pay off your house” just moves the goal post once their listeners unbury themselves from credit card and personal loan debt and keeps them from going back to poor spending habits. They basically don’t trust their listeners to find balance and maybe that’s good for their demographic, similar to AA for an alcoholic. It’s just unfortunate when otherwise would-be responsible and balanced people shift to this type of extremism. It can turn them into misers who either have a hard time unraveling the “gazelle” intensity or they run out of time and health. Sounds like you have it figured out. Congrats! We did something similar and dropped to one income.

Love your info, but you are a damn good salesman! ❤

Leveraging an open line of credit that you use to make large lump sum payments towards mortgage principal and then pay off the line of credit is a better route to go. You use the line of credit to make big $10k payments mostly or all toward principal and then use income to pay down line of credit as quick as possible. If financial hardship happens you have a strategy to never be late on mortgage, as you would rather be late on a line of credit like a personal loan. The interest rate for the personal loan will be higher but since it’s on much lower loan amount it still pencils out to save hundreds of thousands. This how you can pay off mortgage early without a huge pay raise.

I have a chunk to put on our mortgage (VA mortgage at 3.0%) and we could really use a lower monthly payment. What’s the best way to do this? I really don’t want to refinance 😢

Didn’t know George made such fire content

This is good content

It honestly depends on the interest rate. This should weigh about 33% in such decisions. I would say anything with a 3% or below, definitely do not pay off early and keep the loan until the end, no matter how you feel about debt, and just invest what you were going to us to pay off early in the market or some other investment. As for 3-6%, it depends on the person's debt adversity and market conditions. I generally say lean toward reinvestment instead, but if you are debt adverse and can't mentally handle it, then consider paying it off more, but not ASAP. Everything above 6%... you probably should lean toward paying it off faster. If you are in an industry that doesn't get a lot of raises, than pay it off ASAP. But if you are in an industry where wages raise above general inflation, and you get COL adjustments more often, then you may consider not paying it off faster as you can "inflate" away the debt (debt is inherently worth less as time goes on due to inflation, especially over 30 years, in which a 4K mortgage would probably be the average cost of rent in 30 years). So 6% is the circumstantial point where everyone has their own considerations and preferences. There are many other factors involved, so there is no end all, be all, criteria, and everything has its own opportunity cost individual to them. I do not think that you have to pay off a mortgage ASAP, and find the idea ludicrous, as it always depends on circumstances of individuals.

Yeah but that extra money would be better if invested unless you bought in the last year.

Most of my my mortgage at 2.875% is tax. Even when it's paid off my biggest housing expense will still be taxes.

@traybern

7 күн бұрын

LIAR!!!!!

Save decent interest on the mortgage, but give up way more with what the market would do.

29 here with a 310k mortgage originally. I'll have it paid off before 2028 🎉

Hey George, I live in Europe so my situation is slightly different but I am still interested in your opinion. I currently have a mortgage of 167k (started at 189k). Thing is that the interest rate on it is 1.37% (20 years fixed, 16 years left). Does it make sense to pay this off since the current interest on my savings is higher than that. I know debt is debt and there is no good debt out there. However would you say it is worth it to start paying off the mortgage in my case?

How did you get a lifetime ban from a gastropub?

My mortgage is 25% of my retirement income. 1187$ month, I'm triple overpaying to pay off in two years. No pain no gain.

The crypto market has been unfavorable for months and I keep losing my money selling-off during dips, I'm very scared of holding right now, how do you guys still make so much….?

@van5q21

16 күн бұрын

VENTURING into the trading world without the help of a profesionals, trading and expecting profit is like turning water into wine you would need a miracle...

@tomq12

16 күн бұрын

It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast. I will also suggest investors to get yourselves a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

@van5q21

16 күн бұрын

Following you has been an amazing journey , you have shown me the best way to earn much better profits despite the bad economic situations, God bless you with more knowledge Alice devion...

@toni56q

16 күн бұрын

Great to see you guys talking of Alice, Trading on your own can be very dangerous i can testify to that. This woman changed the game for me

@loriq238kx

16 күн бұрын

Any info on how i can liaise with her, i'm new at this

I love my compression stockings

wow this format is actually great and really funny. Just clean up all the bots in the comments. I swear this would pop off... if george was prettier lol im sorry but thats just how it is

You don’t have to worry about paying a mortgage when you live in a van down by the river.

I am choosing to max out my 401k, and Roth IRA rather than pay off my 3.8% mortgage, if my long term returns are just 7% in my investments, I net over 3% greater return on my money, it’s called math.

@hisaddle

15 күн бұрын

Yup. I work for a large Credit Union, we are borrowing $200 million a month at 5% to lend at 8% to make money to pay dividends to the members. (all of the deposits are already lent out for loans).

@blanketwodahs6741

13 күн бұрын

That's the right way to do it. Investment returns + income tax savings = huge snowball. Its frustrating that this doesn't seem to be discussed by "pay off mortgage" youtubers. The irony being - self employment through youtube allows about 3x the tax dodge with a solo 401k than a regular 401k. so instead of taking the tax dodge they advocate for using after tax money on low interest debt like a house? This is not good math. Not at all.

At 2.99% and 3% over 30 years (which will be paid off before retirement), no thank you. We prefer investing the money for a higher ROI. Also, I wonder if all these people in the comments section who paid off their house much sooner live in a low cost of living area without kids or with kids. It is different when you live in a high cost of living area in an expensive state with kids and don't want to compromise your family's quality of life and live like your are practically poor and have nothing because you have to rush and pay off your mortgages.

@bradleygraves5915

17 күн бұрын

Look at your documents and find the Total Interest Percentage over the loan period. Then see if it is actually 3%. Spoiler alert - it is not. I'll bet is a a lot closer to 50%

@hisaddle

15 күн бұрын

@@bradleygraves5915 The APR is disclosed in the docs. I work for a large Credit Union, we are borrowing $200 million a month to lend at 8% to make money to pay dividends to the members. (all of the deposits are already lent out for loans).

@IrisP989

15 күн бұрын

@@bradleygraves5915 ok... What is your interest rate then? Do you live in a low cost of living area so you purchased your house for a very cheap price? Do you have any kids?... . We reached a 7 figure net worth having two mortgages and raising kids. Had we spent years just rushing and paying off our first house at 3%, we would not be in our position.. Not with a second house and not with a 7 figure net worth.

If you live somewhere where decent homes are 400-800k then sure. But in California your decent starter home median is 900k and anything in a decent neighborhood with no backyard is 1.7-2.4 million. It’s all relative. Not sure why so many are having a hard time paying off or saving for a home that’s selling for only 300-450k.

@zeroturn7091

11 күн бұрын

Because they live in regions that don’t pay well, it’s all relative.

Mortgage doesn’t translate to “death pledge” it translates to “dying contract.” It refers to the fact that the contract goes away as you pay it.

After you pay off your loan, ownership of the house transfers from the lender to the local governmentx

at 2.83% on a 15 year, no thanks. It will be done long before I retire and nothing will ever touch that rate any time soon. High yield savings accounts have higher rates.

@nickstark8479

17 күн бұрын

Lol so true.

@adventuresofrob5989

17 күн бұрын

Why does the interest rate matter so much when you only keep the spread? We paid off our mortgage with a 2.25% rate in 9yrs. Now every month we earn interest on what was going out for the payment plus interest. Are you saving as much as you pay for the mortgage?

@nickstark8479

17 күн бұрын

@@adventuresofrob5989 Because, hustorically, you could have earned a 10% return if you invested that money instead over those 9 years. 10% gained - 2.25% lost = 7.75% gain. If you invested that extra money over the 9 years instead, you technically could have paid the remaining mortgage 2x over and/or had enough money to pay off the mortgage a few years earlier. As the lower your interest rate on the mortgage, the greater the difference is.

@IrisP989

17 күн бұрын

@@adventuresofrob5989 So you don't think that you potentially lost money that could have been invested for a higher ROI instead of rushing and paying off your mortgage at such a low interest rate? Even an HYSA at more than 4% is good.

@V8Brah

17 күн бұрын

Careful, granddaddy Ramsey and his lackey George are going to beat you with his cane

I am earning over 9 percent on my stock portfolio. Meanwhile my mortgage interest rate is 4 percent. I have the ability to pay off my mortgage early but will allow my stocks to compound instead, generating me higher returns and wealth than my paying down my mortgage ever could.

@trebmaster

17 күн бұрын

That's why I tell people Ramsey works for 99% of the people out there. There is about 1% of people doing exactly what you're doing, and they're the exceptions - but only up to a certain point.

@Snesboy09

17 күн бұрын

You could take your mortgage payment and invest it and generate wealth faster. And if you lose your job, you still have your mortgage to pay. Differences in interest don't cancel each other out.

@bradleygraves5915

17 күн бұрын

Look at your documents and find the Total Interest Percentage (see loan calculations section) over the entire loan. You may be surprised what your lender didn't disclose.

@ryjoph89

17 күн бұрын

@@Snesboy09 Pay your house off and then you lose your job the next month. Great you dont have a mortgage.... oh but you also dont have any money that you can turn into cash within a day. A high net worth tied exclusively into your house gives you $0 in retirement. I'm all for paying house off quicker just not as much of a priority. If you would have this same focus with your dollars to invest you would be a happy multimillionaire in retirement.

@CaptainBenjamins

17 күн бұрын

You are doing it the right way

“Having a mortgage keeps most people’s net worth negative for years”. Are most people upside down on their mortgage? You’d think with the way the market has been over the past decade that most people would have at least some positive equity in their homes.

We paid ours off early & it was worth it!

You know who absolutely loves it when you pay back your 3% loan early? Your friendly mortgage banker who can now lend out that same money at 6-7%.

@MichaelAnderson-wk1no

17 күн бұрын

Ah yes, I'm going to stick it to the bank in that case by... staying in debt to them forever?

@rachelharrison7961

17 күн бұрын

@@MichaelAnderson-wk1no Well, my mortgage doesn’t last forever. But as long as the terms give me the advantage over the lender, you better believe it.

@CaptainBenjamins

17 күн бұрын

@@MichaelAnderson-wk1noinvest in stock market, and then pay off the mortgage

@hisaddle

15 күн бұрын

Very well said. I work for a large credit union, we are borrowing money at 5% to lend out at 8%.

@hisaddle

15 күн бұрын

@@MichaelAnderson-wk1no invest in a S&P 500 index fund or total market fund and make money with your money. That is how the wealthy people do it. I have a 2.75% mtg so investing in market instead of paying down mortgage rapidly. Credit Union I work for is borrowing at 5% to lend at 8%. Cost of funds analysis.

Loving the you in denim George ❤

You ever think about skipping the ad reads every now and again? I think it would lead to a better presentation when you do try to sell an ad.

Excellent recycled content, George. Your ability to recycle information should make even Waste Management blush.

@M_SC

15 күн бұрын

Why rude

Should I pay off the house if it's not my forever home? We are thinking of moving in a few years.

@nickstark8479

17 күн бұрын

Ask yourself: What am I going to do with the money instead? Liabilities? Invest? and if so what are thier outlooks for when you need the money? Are you going to sell within 2 years or 7 years? Whats your mortage interest rate? Can you instead put the money in a high yield savings account with a higher rate? In the end, putting extra money towards your house is never a bad thing. But depending on your answers here, it could be mathematically better to put it in other places.

@kemi1486

17 күн бұрын

Same question we have too!!!! If or when we find our forever home the idea is to turn current home into an income generating property which would pay off the mortgage early.

@hisaddle

15 күн бұрын

depends on your interest rate.

@natalisove3027

15 күн бұрын

@@nickstark8479 Thank you your answer really helped! Right now we have a low interest rate since we refinance before the market went all crazy. Thank you again for reaching out 😃

For most of us when it's paid off, its the biggest line item in the budget.

Do you recommend to pay the house off even if you have a low interest rate? I'm throwing in some money to my mortgage just to cut it down a bit, but I've been putting more of money into investments.

@KITTER298

17 күн бұрын

Yes.

@hisaddle

15 күн бұрын

No. I am at 2.75%. cost of funds analysis, invest your extra money. I work for a large Credit Union, we are borrowing $200 million a month at 5% to lend at 8% to make money to pay dividends to the members. (all of the deposits are already lent out for loans).

2yrs ago, took out a 30yr mortgage but I'll be paying it off within the next 7 thanks to Dave's plan. I pay $1000, $488 is the the mortgage and $512 is extra.

@username00009

16 күн бұрын

What percentage was your down payment? That’s a pretty-Y2K mortgage amount.

@randucci

16 күн бұрын

@@username00009 25%

Triple overpaying my mortgage to payoff in two years, not twelve