What was your mortgage situation prior to starting with Replace Your Mortgage?

I was 10 years into a 35-year $343,000 mortgage.

When I joined RYM, I still owed $312,000.

What is the current status of your HELOC and how many months did it take you to achieve it?

In the 5 months, since joining RYM and getting my HELOC, I have paid the principal down to $280,000.

That’s more principal reduction in 5 months than in the previous 10 years.

What was your biggest concern when deciding to join RYM?

I had several fears initially...

My biggest fear was that I was missing something in my financial calculations, and the strategy wouldn’t work as well as I had hoped.

As time has progressed, that fear has totally subsided, as I have been able to pay the principal down just as fast as the HELOC calculator said I would.

Additionally, I was able to pay off $15,000 in credit card debt and take a summer vacation to Cabo.

How has using the RYM strategy changed your life?

Using this strategy has totally changed my financial perspective.

Because I can now anticipate having a paid-off house in 3-4 years, I am looking for investment opportunities for future funds.

I am having a blast learning about different real estate strategies, infinite banking concepts, stocks, options, futures and currency trading.

My wife and I go on weekend trips to different towns to see if we would like to buy our future home there.

RYM has made me optimistic about my financial future.

What advice would you give to a homeowner considering trying the RYM strategy?

It’s healthy to be skeptical when something sounds so good.

But it's math, not magic.

If you’re accurate with your net income and expenses, and you can be disciplined with your expenditures, it WILL work!