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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 usin ...
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#101 - Breaking Financial Myths with Garrett Gunderson: Protecting Wealth & Building Legacy!
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Free Video: How You Can Pay Your Mortgage Off In 5 Years or Less On Your Current Income: 👇🏼https://bit.ly/4fM8wxUIn this episode, Michael sits down with Garrett Gunderson, a financial expert reshaping how people think about wealth and legacy. Garrett shares insights on what the Rockefellers did to protect their wealth, how banks leverage life insur…
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Free Video: How You Can Pay Your Mortgage Off In 5 Years or Less On Your Current Income: 👇🏼https://bit.ly/4fM8wxUIn this insightful episode of the Replace Your University podcast, Michael Lush sits down with Ande Frazier, financial expert and author of "Financially Free: 11 Conversations to Have About Life and Money." Ande shares her journey from s…
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Free Video Training: How You Can Pay Your Mortgage Off In 5 Years or Less On Your Current Income: 👇🏼https://bit.ly/3u0XXDAFree E-Book: Secret To Paying Off Your Home In 5 Yearshttps://bit.ly/3LA4cUjTo start building the life you want: https://replaceyouruniversity.com/Follow Replace Your University on Instagram: https://www.instagram.com/the…
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Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼 https://bit.ly/3u0XXDA To start building the life you want: https://replaceyouruniversity.com/ Follow Replace Your University on Instagram: https://www.instagram.com/the_realryu/ Join Us on Facebook: https://www.facebook.com/ReplaceYourUniversity/ Ch…
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Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼 https://bit.ly/3u0XXDA To start building the life you want: https://replaceyouruniversity.com/ Follow Replace Your University on Instagram: https://www.instagram.com/the_realryu/ Join Us on Facebook: https://www.facebook.com/ReplaceYourUniversity/ Check out …
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Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼 https://bit.ly/3u0XXDA To start building the life you want: https://replaceyouruniversity.com/ Follow Replace Your University on Instagram: https://www.instagram.com/the_realryu/ Join Us on Facebook: https://www.facebook.com/ReplaceYourUniversity/ Check out …
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Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼 https://bit.ly/3u0XXDA To start building the life you want: https://replaceyouruniversity.com/ Follow Replace Your University on Instagram: https://www.instagram.com/the_realryu/ Join Us on Facebook: https://www.facebook.com/ReplaceYourUniversity/ Check out …
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Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼 https://bit.ly/3u0XXDA To start building the life you want: https://replaceyouruniversity.com/ Follow Replace Your University on Instagram: https://www.instagram.com/the_realryu/ Join Us on Facebook: https://www.facebook.com/ReplaceYourUniversity/ Check out …
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Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼 https://bit.ly/3u0XXDA To start building the life you want: https://replaceyouruniversity.com/ Follow Replace Your University on Instagram: https://www.instagram.com/the_realryu/ Join Us on Facebook: https://www.facebook.com/ReplaceYourUniversity/ Check out …
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In this episode of the "Replace Your University" podcast, host Michael Lush interviews Lance Welch, author of "The Legacy Navigator." The conversation delves into Lance's insights on creating an intentional multi-generational impact, focusing on the importance of being deliberate and consistent in nurturing family relationships and values. Lance sh…
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In today's video, Michael Lush discusses a financial product called the Debt Service Coverage Ratio (DSCR) loan, designed for individuals who already own a home and have done so for at least 12 months. The DSCR loan differs from conventional loans as it bases eligibility on the potential rental income of the investment property rather than the inve…
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Teaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼 https://bit.ly/3u0XXDA To start building the life you want: https://replaceyouruniversity.com/ Follow Replace Your University on Instagram: https://www.instagram.com/the_realryu/ Join Us on Facebook: https://www.facebook.com/ReplaceYourUniversity/ Check out …
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(This episode originally aired in April of 2023) In this episode of the Replace Your University Podcast, Michael Lush discusses the drawbacks of traditional mortgages and introduces a strategy to replace them with home equity lines of credit. He emphasizes the importance of budgeting, replacing mortgages, using HELOCs as operating accounts, and mai…
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In this episode of the Replace University Podcast, host Michael Lush dives into the benefits of using Home Equity Lines of Credit (HELOCs) versus traditional mortgages, focusing on their flexibility and strategic advantages. He presents seven essential questions to consider for maximizing a HELOC's potential, including choosing the right interest r…
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In this episode of the Replace University podcast, Michael Lush is joined by Derek Minyard, who shares his enlightening experience with Home Equity Lines of Credit (HELOC), detailing how it revolutionized his financial strategy and real estate investments. Through Derek's journey, listeners learn about the advantages of HELOCs, including various ra…
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In this episode of the Replace Your University podcast host Michael Lush introduces the "Bulletproof Financial Blueprint," a transformative strategy designed to empower individuals to create their own economy. Detailing a five-night virtual workshop, Lush outlines a comprehensive plan that includes unlocking hidden capital through the "Buried Treas…
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In this episode of the Replace Your University podcast (clipped from episode 40), the discussion centers around Home Equity Lines of Credit (HELOCs) 's effectiveness and flexibility over traditional mortgages. Michael critically examines common misconceptions about HELOCs, emphasizing their potential benefits for certain financial strategies, inclu…
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In this episode of the RYU podcast, the focus is on the Capital Club and Dark Horse Capital, platforms linking investors with capital to high-yield, passive investment opportunities. Host Michael Lush is joined by his guest, Devon Ryan Johnson, the CEO of Dark Horse Capital. Known as the "capital queen," she shares her evolution from real estate to…
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In this episode of the Replace University podcast, Michael Lush demystifies the "Flow of Money," detailing strategies for financial efficiency and growth. Lush transitions from Replace Your Mortgage to broader financial education, covering tactics from leveraging home equity lines of credit for cash flow management to investing in insurance for tax…
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In this episode of the Replace University podcast, host Michael Lush explores the intricacies of Home Equity Agreements, a financial product distinct from traditional home equity loans or lines of credit. Lush delves into why these agreements have become popular among companies, highlighting their profitability and potential consumer risks and draw…
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In today's episode, Michael Lush contrasts the financial strategies of millionaires with those of the middle class, emphasizing the importance of embracing calculated risks, continuous learning, and innovative thinking for wealth accumulation. Millionaires diversify investments and leverage others' money, such as through day trading and real estate…
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In today's podcast episode, Michael Lush explores the mindset and strategies that differentiate millionaires from the middle class, focusing on long-term thinking, discipline, and embracing change, particularly in the context of technological advancements like artificial intelligence. Michael highlights how millionaires leverage downturns to compou…
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In Part 2 of their discussion, Michael Lush and Cody Hutchin continue to tackle complex topics, including societal changes, political viewpoints, and the importance of personal and financial freedom. They delve into contemporary issues like taxation, government policies, and the effects of diversity and inclusion initiatives. Moreover, they explore…
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In part 1 of this thought-provoking episode, Michael Lush is joined by RYU's new Sales Manager, Cody Hutchin. Together, they dive deep into the intersections of wealth, faith, and societal norms. They explore the moral and ethical implications of taxation, the prosperity gospel, and how these beliefs shape our views on wealth distribution. Addition…
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In this episode of RYU Podcast, Michael Lush delves into the intriguing story of the Vanderbilts and Rockefellers, exploring how their wealth evolved over time. Drawing a stark contrast between the two families, he reveals that while the Vanderbilts, once worth a staggering $105 billion in today's dollars, lost their fortune, the Rockefellers thriv…
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In today's episode of RYU Podcast, Michael shares insights on how he curates his social media feed to ensure it's not only business-related but also beneficial for his mindset and even kid-friendly. Offering a glimpse into his social media strategy, he lists top influencers and content creators he follows for valuable information and entertainment.…
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In this episode of RYU Podcast, Michael reflects on a valuable lesson from a marketing mentor in 2014. This mentor emphasized the importance of charging what you're truly worth, especially when offering a service that saves people significant amounts in mortgage interest. Michael shares a simple but impactful insight: don't be afraid to put a highe…
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In this follow-up video, I address the comments and questions from my viral short about a 17-year-old who successfully built and sold 400 chicken tractors, grossing $160,000 in a year. I clarify the misconceptions about the profitability of this venture, explaining that despite the costs of materials, the young entrepreneur still made a significant…
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In today's episode of RYU Podcast, Michael explores a unique mindset, revealing the intriguing habit of purchasing lottery tickets when the jackpot surpasses 300 million dollars. Michael explains how this ritual serves as a mental exercise, prompting him to envision a life of abundance and contemplate the possibilities of immense wealth. The episod…
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In this episode of RYU Podcast, Michael is joined by Michael Cocchini, and they dive deep into the profound topics of life's meaning, consciousness, and Christianity. Join us as we explore the depths of these intriguing subjects and uncover insights that may reshape your perspective. To start building the life you want: https://replaceyourunivers…
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In this episode, Michael is joined by Chris Payne from University Lending Group and they delve into how their clients are navigating the challenges of rising interest rates, the recession, and inflation. Surprisingly, the short answer is that they're not losing sleep over it. Tune in to discover how having a First Lien HELOC has proven to be a game…
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In this episode of RYU Podcast, Michael explores the key to being both house-rich and cash-rich: a First Lien HELOC. Leveraging his mortgage expertise, he emphasizes the game-changing liquidity of a home equity line of credit, providing easy 24/7 access to equity. Real-life examples highlight its effectiveness during economic challenges like the pa…
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In this episode for RYU Podcast, Michael encourages a shift in mindset towards business expansion and efficiency. Using a personal example, he highlights the case of a successful account executive who, despite reservations, is contemplating scaling his monthly live events. Michael emphasizes the importance of thinking creatively and embracing the i…
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In this episode of the RYU podcast, Michael shares a clever hack on turning an Airbnb stay into a profitable venture. Rather than just paying for a luxury Airbnb rental, he unveils a creative approach to not only enjoy a lavish eight-bedroom, nine-bath home in Franklin but also make money from it. Exploring the idea of hosting a three-day mastermin…
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#68 - A Deep Dive into Financial Success
1:59:20
1:59:20
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In this episode of RYU Podcast, Michael discusses the concept of "Replace Your Mindset" and how it can have a lasting impact on one's life. He describes their daily routine of waking up early, taking a cold shower, making their bed, and engaging in physical training. By following this routine, he believes you can achieve more before 9 a.m. than mos…
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In this episode RYU Podcast, Michael gets into the nitty-gritty of life insurance and what the big banks are up to. Now, Dave Ramsey, you've probably heard of him, he's been pretty adamant that banks don't touch permanent life insurance with a ten-foot pole. But before you take his word for gospel, let's think about this for a sec. Do you reckon Da…
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In this episode RYU Podcast, Michael dives into the game-changers for a better life. I know, I know, it's a lot to remember, so be sure to hit that save button or shoot this to your bestie. First up, no more complaining. Instead, let's be solution-seekers. Then, toss out the blame game and own your story. We've all been there, right? Next, let's ta…
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In today's episode of RYU Podcast, we explore Michael's journey into the world of mortgages, where he learned that mortgages are like "financial crack" for the middle class. He was introduced to this idea by a mentor, Edmund Fontana, which led him to embark on a mission to transform the mortgage industry. Inside the episode, he talks about the powe…
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In this episode, Michael and Derrick engage in a thought-provoking conversation about wealth, debt, and the Christian perspective on money. They delves into the misconceptions around money, debt, and the role of finances in society. Michael and Derrick touch upon biblical references, debunking the myth that money is a sin and stresses that the focu…
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In today's episode of RYU Podcast, we explore Michael's journey into the world of mortgages, where he learned that mortgages are like "financial crack" for the middle class. He was introduced to this idea by a mentor, Edmund Fontana, which led him to embark on a mission to transform the mortgage industry. Inside the episode, he talks about the powe…
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In this episode, Michael addresses the common fear associated with home equity lines of credit (HELOCs) and how our perception of change can influence our financial decisions. He emphasizes that change, including transitioning from mortgages to HELOCs, can either be perceived as a threat or an opportunity. Drawing a distinction between the middle c…
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In this episode, Michael talks about the concept of 10xing your results, challenging the conventional idea that doubling your efforts leads to a linear increase in profits. Instead, he emphasizes the power of expansive thinking and breaking free from limiting beliefs. Using a real estate example, Michael demonstrates how a shift in perspective can …
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In this episode, Michael tackles a common question: What credit score is needed to qualify for a Home Equity Line of Credit (HELOC)? HELOCs operate in a more flexible and less regulated space compared to mortgages, making credit score requirements highly variable among lenders. While some credit unions may not have strict minimum scores and use the…
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In this episode, Michael draws a powerful analogy between sports and financial mindset, emphasizing the distinction between playing to win and playing not to lose. Reflecting on a high school basketball game, he illustrates how solely focusing on defense, whether in sports or finances, can hinder success. Michael encourages considering a home equit…
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In this episode, the Michael dives into the strategy of replacing mortgages with home equity lines of credit (HELOCs). He starts by emphasizing the importance of having a healthy budget to manage finances effectively. Then, explains the concept of replacing your existing mortgage with a first lien position HELOC, providing a step-by-step breakdown …
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In this episode, we delve into Rick's journey from financial uncertainty to thriving real estate investments. Discover how a change in mindset and the application of unconventional financial strategies transformed Rick's financial landscape. We discuss the power of leveraging equity, the value of embracing new opportunities, and the importance of b…
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#55 - The Hidden Value of Subscription-Based Businesses
1:01:52
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In this episode, hosts Michael Lush and Hector Gonzalez share an inspiring and insightful conversation about the importance of building a legacy through strategic business models. Hector, a seasoned entrepreneur, opens up about his challenging upbringing in the Bronx, growing up amidst gangs, crime, and single-parent households. He reveals how this…
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In this episode, Michael delves into an unconventional approach to creating one's own economy through the concept of homesteading. Sharing his personal experience, Michael discusses the journey he embarked upon when he and his family purchased a 90-acre former cattle farm, which they transformed into a self-sustaining homestead. Michael explains th…
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In this episode of the Replace University podcast, host Michael Lush delves into the insightful book "The Top 10 Distinctions Between Millionaires and Middle Class" by Keith Cameron Smith. Michael shares three essential books by the author and highlights the relevance of their content even today.
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