Replace Your University

#38 - Overcoming Limiting Beliefs

This RYU Podcast episode discusses the topic of overcoming limiting beliefs, with host Michael Lush recounting the story of Edmund, who started as a client before becoming a partner of Lush's company. Lush also talked about his mission to create a replacement for university and mortgage brands, as he believes mortgages are financial crack to the middle class, with the poor not being able to afford them and the rich not using them. Lush met Edmund's mortgage broker at a marketing conference...

#37 - The Meaning of Life (ft. Dr. Michael Cocchini)

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

#36 - Understanding Liquidity

In this episode, Michael Lush discusses the importance of liquidity and how a home equity line of credit can help individuals achieve both house richness and cash richness. He emphasizes the liquidity aspect of a home equity line of credit, which provides access to one's equity 24/7. Michael also highlights how a home equity line of credit can help individuals finance real estate and have access to their equity, even during emergencies. The podcast also talks about how the Federal Reserve ...

#35 - How To Get A HELOC

In this episode of the RYU Podcast, Michael Lush talks about home equity lines of credit (HELOCs) and the benefits they offer. A HELOC is a revolving line of credit tied to your home, just like a credit card. The good thing is that it doesn't cost anything if you haven't used it. HELOCs offer simple interest, meaning that you only pay interest on the balance you have. You can pay it down to reduce the interest you pay. This is called recasting. Unlike mortgages, you can recast HELOCs witho...

#34 - Is Money Evil? Money -VS- Faith w/Derrick Waltz

OVERVIEW: This episode explores the intersection of money and faith, discussing whether they collide or coexist. The hosts, Michael & Derek, talk about the role of money in Christianity and how it can be used in a healthy way. They discuss Proverbs 20 and how debt can be viewed as sinful, but it's more about the heart's posture. Money is not good or bad, but it amplifies what is in the heart. If someone is greedy or selfish, having money will make those tendencies worse, while someone wi...

#33 - How to Save $170,000 This Year

In this episode of the RYU Podcast, Michael discusses home equity lines of credit (HELOCs) and how they can put you back in control of your finances. He also discusses inflation and how it can be negated through certain financial strategies, with a focus on real estate. The episode also delves into the history of mortgages and how they have evolved over the years, and how the current mortgage system is not as efficient as it could be. For more info, please visit replaceyouruniversity.com

#32 - 5 Steps to Master Your Budget

Michael Lush, the host of the Replace Your University (RYU) Podcast, talks about mastering budgeting in this episode. He explains that he will focus on those who haven't mastered budgeting yet. Lush begins by explaining the five categories to consider when mastering budgeting. First, he suggests looking at what is coming in. He reminds listeners that it is essential to determine the net income after taxes, and other alternative revenue sources, such as tax refunds. Secondly, Lush talks abo...

#31 - How to Resist Buyer's Temptation

Mortages are financial crack to middle America. The poor can't afford them and the rich don't use them. It's time to replace your mortage with a HELOC.

#30 - Why Rich People Still Play the Lotto!

Have you ever heard that playing the lotto is a waste of money? Nothing could be further from the truth. I'm rich and I still play the lotto... and here's why.

#29 - Overcoming Obstacles

Before Michael Lush started Replace Your Mortgage and subsequently Replace Your University, he had to learn how to overcome a lot of obstacles in learning how to best utilize a first lien home equity line of credit. He and his staff of mortgage experts, through the Replace Your University and Replace Your Mortgage program, help you quickly and efficiently navigate through and over those obstacles, so you can start paying your home off even quicker. Learn more by going to www.ReplaceYourUnive...

Overcoming Obstacles - Replace Your Mortgage Podcast - Ep 39

Before Michael Lush started Replace Your Mortgage and subsequently Replace Your University, he had to learn how to overcome a lot of obstacles in learning how to best utilize a first lien home equity line of credit. He and his staff of mortgage experts, through the Replace Your University and Replace Your Mortgage program, help you quickly and efficiently navigate through and over those obstacles, so you can start paying your home off even quicker. Learn more by going to www.ReplaceYourUnive...

#28 - Elon Musk Did What?

In this episode Michael Lush talks about how even Elon Musk, the richest man on earth, leverages debt to buy certain things. That's because he understands money and how to make it work for you. This same principal applies to Replace Your Mortgage and what we teach you about first lien home equity line of credit. You can learn more at www.replaceyouruniversity.com

Elon Musk Did What? Replace Your Mortgage Podcast Episode 38

In this episode Michael Lush talks about how even Elon Musk, the richest man on earth, leverages debt to buy certain things. That's because he understands money and how to make it work for you. This same principal applies to Replace Your Mortgage and what we teach you about first lien home equity line of credit. You can learn more at www.replaceyouruniversity.com

100 Mile Mindset - guest Nate Bailey - Replace Your Mortgage Podcast - Ep 37

Our guest today is Nate Bailey. Author, podcast host, leadership coach and more. Mindset is everything, the most important muscle in your body and we need to strengthen it just as you would work out your body. Nate teaches this and is the instructor on the Replace Your Mindset courses on the Replace Your University website (coming 12/2021). You can learn more about Nate, his life and accomplishments, his books, podcast, and offerings at www.natebailey.org Go to www.replaceyourmortgage.com ...

#27 - 100 Mile Mindset w/Nate Bailey

Our guest today is Nate Bailey. Author, podcast host, leadership coach and more. Mindset is everything, the most important muscle in your body and we need to strengthen it just as you would work out your body. Nate teaches this and is the instructor on the Replace Your Mindset courses on the Replace Your University website (coming 12/2021). You can learn more about Nate, his life and accomplishments, his books, podcast, and offerings at www.natebailey.org Go to www.replaceyourmortgage.com ...

#26 - The Uglier The Better

It's a Replace Your Mortgage Podcast Takeover! In this episode Derrick Waltz takes over primary duties and welcomes Edmund Fontana to the studio to talk about real estate investing. Edmund tells some crazy stories about some of the homes he has purchased for investments and what he has found in those homes. Cats in the rafters and behind freezers? Edmund is leading the charge for Replace Your Employer that is coming soon to the new Replace Your University website and educational courses. G...

The Uglier The Better - Replace Your Mortgage Podcast - Ep 36

It's a Replace Your Mortgage Podcast Takeover! In this episode Derrick Waltz takes over primary duties and welcomes Edmund Fontana to the studio to talk about real estate investing. Edmund tells some crazy stories about some of the homes he has purchased for investments and what he has found in those homes. Cats in the rafters and behind freezers? Edmund is leading the charge for Replace Your Employer that is coming soon to the new Replace Your University website and educational courses. G...

Should I Stay or Should I Sell Now? - Replace Your Mortgage Podcast - Ep. 35

Should I Stay or Should I Sell Now? That's a question a lot of you have right now because of the high values of homes. The answer is...well, you'll have to watch to find out what we think. We also do our best to offend as many people as possible in this fun episode. Check it out! For more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#25 - Should I Stay or Should I Sell Now?

Should I Stay or Should I Sell Now? That's a question a lot of you have right now because of the high values of homes. The answer is...well, you'll have to watch to find out what we think. We also do our best to offend as many people as possible in this fun episode. Check it out! For more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

Guess Who's Back - Replace Your Mortgage Podcast - Ep. 34

It has been a bit, but we're back! After traveling a good part of the country in an RV, Lush talks about his travels and some of the things his family saw with Matt Workman. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#24 - Guess Who's Back

It has been a bit, but we're back! After traveling a good part of the country in an RV, Lush talks about his travels and some of the things his family saw with Matt Workman. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortgage.com/ebook/

#23 - Mortgage vs HELOC

We get a lot of comments on our videos. Mostly good, but a little bit of hate. But it may surprise you to know that some of that comes from mortgage brokers, simply because they don't understand what we do. Approximately 70% of the people we speak to are not ready for a 1st lien HELOC and we advise them to get a mortgage or refinance. That's the truth. Not everyone is a great fit for our strategy, but for those that are this is a life changing method that will help you achieve financial free...

Mortgage vs HELOC - Replace Your Mortgage Podcast - Ep 33

We get a lot of comments on our videos. Mostly good, but a little bit of hate. But it may surprise you to know that some of that comes from mortgage brokers, simply because they don't understand what we do. Approximately 70% of the people we speak to are not ready for a 1st lien HELOC and we advise them to get a mortgage or refinance. That's the truth. Not everyone is a great fit for our strategy, but for those that are this is a life changing method that will help you achieve financial free...

RV Life and an Ewok Village - Replace Your Mortgage Podcast - Ep 32

Ever wonder if there would be a podcast that would talk about RV life, an Irish town, and an Ewok Village all in the same show? Well, you've found it. We don't always talk about mortgages and first lien HELOCS, and today was one of those days. Michael Lush discusses RV life and what he would like to build one day on a massive amount of land during his conversation with Matt Workman and Edmund Fontana. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultat...

#22 - RV Life and an Ewok Village

Ever wonder if there would be a podcast that would talk about RV life, an Irish town, and an Ewok Village all in the same show? Well, you've found it. We don't always talk about mortgages and first lien HELOCS, and today was one of those days. Michael Lush discusses RV life and what he would like to build one day on a massive amount of land during his conversation with Matt Workman and Edmund Fontana. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultat...

#21 - I Replaced My Employer w/Edmund Fontana

Joining the Podcast crew today is Edmund Fontana who is part of the management team of Replace Your Mortgage. Edmund tells his story of first talking with Michael Lush and how 1 question changed his life's trajectory and motivated Edmund to Replace His Employer and get into real estate investing. You'll also hear about the exciting platform we are creating called Replace Your University, which will house Replace Your Mortgage, Replace Your Employer, Replace Your Mindset, Replace Your Dollar,...

I Replaced My Employer - guest Edmund Fontana - Replace Your Mortgage Podcast - Ep 31

Joining the Podcast crew today is Edmund Fontana who is part of the management team of Replace Your Mortgage. Edmund tells his story of first talking with Michael Lush and how 1 question changed his life's trajectory and motivated Edmund to Replace His Employer and get into real estate investing. You'll also hear about the exciting platform we are creating called Replace Your University, which will house Replace Your Mortgage, Replace Your Employer, Replace Your Mindset, Replace Your Dollar,...

#20 - Stop Worrying About the Fed & Interest Rates

Every time the Fed decides to raise rates, we get the same questions from many people. "How is this going to affect my HELOC?" We answer this question and talk about why you should stop worrying about what the Fed is doing with interest rates. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if the Replace Your Mortgage strategy is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://re...

Stop Worrying About the Fed & Interest Rates

Every time the Fed decides to raise rates, we get the same questions from many people. "How is this going to affect my HELOC?" We answer this question and talk about why you should stop worrying about what the Fed is doing with interest rates. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if the Replace Your Mortgage strategy is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://re...

#19 - RYM Changed My Life w/Michael Baker

Today we have special guest Michael T Baker on with us. Michael became a client of Replace Your Mortgage 2 years ago and he says it changed his life. Because of the strategies we teach on how to utilize a first lien HELOC, he was able to pay off more of his principle without losing access to the funds allowing him to start his own digital marketing business. Michael's company Perception Content Media helps Replace Your Mortgage with many of the social media marketing and design elements, i...

RYM Changed My Life - Guest Michael Baker

Today we have special guest Michael T Baker on with us. Michael became a client of Replace Your Mortgage 2 years ago and he says it changed his life. Because of the strategies we teach on how to utilize a first lien HELOC, he was able to pay off more of his principle without losing access to the funds allowing him to start his own digital marketing business. Michael's company Perception Content Media helps Replace Your Mortgage with many of the social media marketing and design elements, i...

Top 6 Things To Live Intentional Life

If you're trying to live an intentional life, and want to know what we believe the Top 6 things are you should focus on to achieve the best results, then this episode of the replace Your Mortgage Podcast is for you. We don't always talk about nothing but HELOCs, and we want every one of you to be successful in life. We would love to hear your thoughts on these and comment below if you have other items in your Top 6. Go to www.replaceyourmortgage.com for more information and to schedule a F...

#18 - Top 6 Things To Live Intentional Life

If you're trying to live an intentional life, and want to know what we believe the Top 6 things are you should focus on to achieve the best results, then this episode of the replace Your Mortgage Podcast is for you. We don't always talk about nothing but HELOCs, and we want every one of you to be successful in life. We would love to hear your thoughts on these and comment below if you have other items in your Top 6. Go to www.replaceyourmortgage.com for more information and to schedule a F...

What do Mortgages & Yoga Pants Have in Common?

This week's guest is Chris Payne from ULG. Chris is a mortgage expert who explains what mortgages and yoga pants have in common, along with some great insight as to why so many people in the mortgage industry prefer HELOCS over a traditional mortgage. If the experts are choosing this product, why shouldn't you? Comment on this video or go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's ...

#17 - What do Mortgages & Yoga Pants Have in Common?

This week's guest is Chris Payne from ULG. Chris is a mortgage expert who explains what mortgages and yoga pants have in common, along with some great insight as to why so many people in the mortgage industry prefer HELOCS over a traditional mortgage. If the experts are choosing this product, why shouldn't you? Comment on this video or go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's ...

#16 - Are We In a Real Estate Bubble and Will it Burst?

A BIG question on a lot of people's minds is Are We In a Real Estate Bubble and Will It Burst? Although there's no way to predict the future, Michael and Matt discuss this question along with the current state of home prices and a quick nugget about Scottsdale, Arizona. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://repla...

Are We In a Real Estate Bubble and Will it Burst?

A BIG question on a lot of people's minds is Are We In a Real Estate Bubble and Will It Burst? Although there's no way to predict the future, Michael and Matt discuss this question along with the current state of home prices and a quick nugget about Scottsdale, Arizona. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://repla...

#15 - Can you get a HELOC on an Investment Property?

We get asked a lot by our clients "Can I get a HELOC on an Investment Property?" In this episode of the Replace Your Mortgage Podcast we answer that question and give insight to how Replace Your Mortgage can help you understand how it works and when the best time to utilize that strategy. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Year...

Can you get a HELOC on an Investment Property?

We get asked a lot by our clients "Can I get a HELOC on an Investment Property?" In this episode of the Replace Your Mortgage Podcast we answer that question and give insight to how Replace Your Mortgage can help you understand how it works and when the best time to utilize that strategy. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Year...

Perspectives from the HOOD vs. the WOOD

Michael Lush and Matt Workman talk about crazy sports parent stories and growing up in the hood vs the wood. You never know the background of someone you meet, even through Replace Your Mortgage, and you might have more in common with someone than you know. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortg...

#14 - Perspectives from the HOOD vs. the WOOD

Michael Lush and Matt Workman talk about crazy sports parent stories and growing up in the hood vs the wood. You never know the background of someone you meet, even through Replace Your Mortgage, and you might have more in common with someone than you know. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Home in 5-7 Years" at https://replaceyourmortg...

Do Banks Execute the Strategy?

Another question we get is "Do banks execute the strategy?" In this episode of the Replace Your Mortgage Podcast we answer that question and give insight to how Replace Your Mortgage can help you find the right bank and teach you how to best execute on the strategy so you can pay off your home faster. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Hom...

#13 - Do Banks Execute the Strategy?

Another question we get is "Do banks execute the strategy?" In this episode of the Replace Your Mortgage Podcast we answer that question and give insight to how Replace Your Mortgage can help you find the right bank and teach you how to best execute on the strategy so you can pay off your home faster. Go to www.replaceyourmortgage.com for more information and to schedule a FREE consultation to see if this is right for you. You can also download Michael's FREE book "How To Payoff Your Hom...

#12 - Don't Try On Your Own - RYM Will Teach The Strategy

Don't try things on your own, mentors will pave the way

Don't Try On Your Own - RYM Will Teach The Strategy

Origins of Replace Your Mortgage

Want to know how Replace Your Mortgage got started, our background and professional experience? Check out this latest podcast to find out.

#11 - Origins of Replace Your Mortgage

Want to know how Replace Your Mortgage got started, our background and professional experience? Check out this latest podcast to find out.

#10 - HELOC's And The 2018 Tax Code - What You Should Know

Hands down one of the biggest questions we get is can you still write off interest with HELOC's with the new tax code. In this episode, we cover this topic.  Also, if you have questions about your personal situation, you can book a free call here. https://www.replaceyourmortgage.com/discover-pc 

HELOC's And The 2018 Tax Code - What You Should Know EP010

Hands down one of the biggest questions we get is can you still write off interest with HELOC's with the new tax code. In this episode, we cover this topic.  Also, if you have questions about your personal situation, you can book a free call here. https://www.replaceyourmortgage.com/discover-pc 

#9 - We Help Edmund And Stephanie Fontana Pay Their Home Off Faster And Buy A Vacation Home In Mexico

Edmund is an assistant Principal and his wife Stephanie is an emergency room nurse.    In this episode, we talk about how they came to Replace Your Mortgage and what their biggest fears were when replacing their mortgage with a HELOC. We also talk about how fast they are paying their home down as well as how they just bought their vacation home in Mexico. Exciting interview! Lastly, if you would like to book a free discover call and get your questions answered, click the link below. ...