How To Pay Off Your Home Early - I Paid Off My House In 8 years - NO HELOC!

[@Raymondjohn2]

Back in the day, when I purchased my first home to live-in; that was Miami in the early 1990s, first mortgages with rates of 8 to 9% and 9% to 10% were typical. People will have to accept the possibility that we won't ever return to 3%. If sellers must sell, home prices will have to decline, and lower evaluations will follow. Pretty sure I'm not alone in my chain of thoughts.

[@martingiavarini]

If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.

[@bob.weaver72]

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

[@TheJackCain-84]

I will be happy getting assistance and glad to get the help of one, but just how can one spot a reputable one?

[@bob.weaver72]

Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@TheJackCain-84]

I just copied and pasted her full name on my browser, super impressed with what I've seen so far. thanks for sharing!

[@marcuslauj]

When you stop noticing social media stuffs, you start noticing your financial stuffs.

[@MillennialFinance101]

When you start tracking your finances, you start focusing on your finances!

[@SheilaYilmas]

Distinguishing between money management and the accumulation of wealth is crucial, and the educational gap in schools could be a factor contributing to people's challenges in sustaining financial prosperity. The instances you shared are pertinent, and personally, I found value in navigating the market crisis, as I have a tendency to embrace difficult situations rather than avoiding them, a sentiment shared in jest by my advisor.

[@HakimZakzi]

Earning a substantial income exceeding 450k is incredibly gratifying. While it requires a significant investment of time, the satisfaction derived from the process keeps me consistently engaged. I attribute this financial success to the expertise provided by my guide.

[@OlgaRusov]

Contrary to my initial expectations, diligent scrutiny of my portfolio's progress revealed a remarkable achievement - a substantial growth of $500k within the last two quarters. This revelation has provided valuable insights into the potential for seasoned traders to yield impressive returns, even in markets that may not be widely recognized. Taking this significant leap has undoubtedly marked one of the boldest decisions in my recent endeavors.

[@MarioRo1]

I fully recognize the significant advantages of collaborating with a pro, but thus far, I haven't identified the right one for myself. Could you provide more details about the fiscal guide who has been guiding you?

[@OlgaRusov]

I've enlisted Stacey Lee Decker as my fiscal guide, and her expertise contributes significantly to the fiscal industry. Acknowledged as a reputable authority in the field, she holds a deep understanding of portfolio diversification. I encourage further exploration of her credentials. With her extensive experience, she proves to be an outstanding guide for those aiming to grasp the complexities of the fiscal market.

[@ScottRich9]

Stacey appears to be really knowledgeable. Her resume, educational history, and qualifications were all quite good when I found her internet page. She will act in my best interests because she is a fiduciary. I thus scheduled a session with her.

[@DavidAntony-gq7id]

I admire the financial independence of people, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me, retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income-generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45

[@MarcelPhilips]

Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving

[@DavidAntony-gq7id]

@@MarcelPhilips Having an investment adviser is the best way to go about the market right now, especially for near-retirees, I've been in touch with a coach for a while now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I netted over $220K during this dip, that made it clear there's more to the market that we avg joes don't know

[@MarcelPhilips]

@@DavidAntony-gq7id Who’s the person guiding you

[@DavidAntony-gq7id]

@@MarcelPhilips credits to *MARTHA ALONSO HARA*, one of the best portfolio managers out there. she's well known, you should look her up

[@MarcelPhilips]

@@DavidAntony-gq7id Thank you, I just checked her out and I have sent her an email. I hope she gets back to me soon.

[@CamillaPsh]

Presently, mortgage rates have reached their highest point since the year 2000, spanning a period of 23 years. Considering inflation trends, there's a possibility that this figure might continue to escalate. To provide context, the 30-year fixed rate was only at 5% around this same time last year. Faced with this scenario, the question arises: should I continue waiting in anticipation of a potential housing market downturn before making a purchase, or is it more prudent to shift my attention towards the equity market?

[@MarioRo1]

Similar to any other investment avenue, the stock market requires a substantial level of expertise to sustain profitability. While my approach has predominantly involved buying and holding stocks, my portfolio has been in a state of decline for a considerable period. Achieving substantial gains necessitates consistency and the periodic restructuring of your portfolio to adapt to market dynamics.

[@OlgaRusov]

I believe that holding was comparatively simpler in the 1960s, and the landscape has become more complex nowadays. Those who consistently generate gains in the present era are often seasoned pro. This is why, for the past five years, I've enlisted the services of a fiscal guide. Their expertise has been instrumental in consistently building and managing my portfolio, with an eye toward securing my fiscal

[@HakimZakzi]

I fully recognize the significant advantages of collaborating with a pro, but thus far, I haven't identified the right one for myself. Could you provide more details about the fiscal guide who has been guiding you?

[@OlgaRusov]

I've enlisted Stacey Lee Decker as my fiscal guide, and her expertise contributes significantly to the fiscal industry. Acknowledged as a reputable authority in the field, she holds a deep understanding of portfolio diversification. I encourage further exploration of her credentials. With her extensive experience, she proves to be an outstanding guide for those aiming to grasp the complexities of the fiscal market.

[@HenriDean]

Stacey appears to be really knowledgeable. Her resume, educational history, and qualifications were all quite good when I found her internet page. She will act in my best interests because she is a fiduciary. I thus scheduled a session with her.

[@tall5418]

The bank is so upset that you paid off your mortgage and they cannot make money off of you.😄

[@MillennialFinance101]

Lol yea... hahaa

[@emmabbyreborns341]

Frugality and discipline are key to paying off any debt. We buy big furniture new, but everything else we buy at thrift stores, estate sales and swap meets. Name brands are over rated. We save for vacation two years in advance. A debt free life is liberating, and good for the soul. Our next goal is to pay off our house early. It's so good to find someone who has the same mindset. Great video.

[@MillennialFinance101]

Glad there are others out there!!

[@batirtzeurkiaga4973]

👏👏👏👏👏👏👏👏

[@kentro2002]

I like name brands, I buy them gently used on Ebay, and save 70-80%. If you really like a brand, for example search "Lululemon lot" on ebay, I bought 3 pairs of shorts that would have been over $300 for $55, and they are awesome!

[@MillennialFinance101]

kentro 2020 I don’t mind brands but I stick to things that are high quality and have value for the money. The gucci stuff is pretty top notch but it’s a bit too much for me personally.

[@emmabbyreborns341]

@@kentro2002 thanks for for the tip!

[@vascularlab]

It’s refreshing to hear practical advice than advice about HELOCS. Your tips are great, thanks for sharing.

[@MillennialFinance101]

Thanks it isn’t hard at all but very hard to be discipline ha

[@shortmashins4031]

Paid our house off two years ago. 8 years from purchasing it, now all our money goes into savings.

[@MillennialFinance101]

Smart

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[@Georgemorales5559]

Hey we are doing the same thing we are paying the house in 10 years we are in the second year now 😃😃😃

[@stephaniesimms4662]

This is my first time watching you but what I can tell so far, you are a honest person. No sugar coating. Thank you for being honest. I will take your tips and apply it.

[@marshhen]

You seem like a nice and humble guy. It is enjoyable to listen to you. Great idea to rely on just one income.

[@MillennialFinance101]

Thanks for watching! Yes my wife or (me) will stay home soon with our 3 boys. Most likely wife hehe. Her choice. But while we’re both working, it’s all preparing for that day!

[@sararlgarrett]

@marshhen that is what my husband and I have done for almost 15 years! We have five children, and NEVER have lived off of both of our incomes! It set us up for COMPLETE success! 15 years later we are thanking God! Such financial freedom we have.

[@MillennialFinance101]

Yes!!! Smart moves!!

[@Josh-ii1eq]

You had me at " we did not use a HELOC"

[@MillennialFinance101]

Lol

[@johnmalloy101]

Dude, you and I are on the same page. I bought my house late in life (55) but I'm on track to have it paid before retirement at 62. Because I live smartly like you and not to impress people. I just gotta stay away from coffee shops and fast food. That's $10 each time.

[@MillennialFinance101]

Nice !!! I’m starting to change a little now that my net worth is grown and have no need to save so much! I still buy used and save 60% of my income. Trying to secure my retirement :)

[@LethoHali]

Oh wow! Well done you guys!! 👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾🎉🙌🏾. And to all of you in the comments section who’ve actually done this! Hats off to you all! 🤜🏾🤛🏽

[@MillennialFinance101]

Thanks! Good luck to you also!

[@mssumerloving]

"We spent almost $1K on vacation once and we almost killed oursleves" 😂😂😂😂 sounds like my hubby and I. Gotta love it.

[@MillennialFinance101]

Lol it hurts

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

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[@Tykoon]

I burst of laughter on this one 🤣

[@stetso2021]

Best down to earth video with the most logic! The main take away I got from your video is think long term and keep your head down and just keep focused on your goals! Which for you was a family and being financially stable for when you have kids

[@01jesusfrk]

100% agree with your strategy. My husband and I have been doing the same for several years. We paid one house off after 5 years (bought well below our means) and took that equity and built our dream home. We will have it paid off in 2025 for a total of 9 years making payments. We are excited about that. I just recently starting watching the velocity banking videos out there and my mind can’t make sense of it. You are still in debt people using this method! Spend below your means Keep your head down and don’t worry about what the Jones’ are doing. They will still be in debt up to their eyeballs and you get to retire at 55 if you want. That’s the life for us! God bless!

[@josedominguez9278]

I love that I found a community that thinks like i do!

[@MillennialFinance101]

I felt alone for so long

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@kelliet8772]

I’m excited about paying mine off next year. This video was very interesting, we did almost what y’all did. It’ll be 8 years for us as well. 😃

[@MillennialFinance101]

You can do it! It'll be one less thing to worry about for the rest of your life!

[@WorldCitizen47]

You are blessed to have a spouse that's on the same page with you. So much can be accomplished with unity....regarding gifts and holidays, you are 100% on point....very smart! Thanks for sharing your wisdom. More people need to hear this.

[@MillennialFinance101]

Thanks!!

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@pamelapung]

This was so fun to watch! Instead of playing in the stock market, we can just play with our normal daily finances and bills to win in the game of life! Awesome.

[@GIUL7301]

Prime example is most loyal Starbuck customers will spend over $2,000.00 a year . I started percolating my coffee at home 15 years ago. Drinking 16 ounces a mourning cost $ 60.00 a year. If you do this with all possible expenditures you can become dept free just like us. We know it's hard to do especially if your a keep up with the neighbors type. Consistency is the key.

[@rosaaguirre2407]

Living low key is the best and smartest!!! Great advice. Thank you!!

[@MillennialFinance101]

That’s the only way!!! Otherwise expect judgement and hand outs

[@yuliyapike669]

I loved it! No drama, open honest advice with mistakes included. Thanks for such educstion content.

[@MP-nj1qy]

I love the mindset of owning something. I have 2 houses. I’m hoping to pay off the rental in 3 more years for a total of 7 years.

[@MillennialFinance101]

Nice! Keep at it!

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[@quinnbi8716]

Goals 🙌

[@justbee1917]

Thanks for sharing!!! First time I've seen content this honest.

[@MillennialFinance101]

No problem!!

[@markstevensonsmith4861]

I clicked on this because it sounds very similar to mine and my wife’s plan. We’re 26 and 24 and looking to purchase our first home next year. Our budget is similar to yours was at just under 200k. We aim to be able to cover our payments with one person’s income and save the rest. Everything you’ve said in this video makes so much sense and it’s very encouraging to hear that this plan worked out for you. Many thanks sir. 👍🏽

[@MillennialFinance101]

Good luck! Yes it does work. I think all these 40% debt to income thresholds are setup so that people can actually do this reasonably if they don't spend all their money on other non sense.

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

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[@iammisterlyde]

Well stated- without discipline, there is no grace! Thank you for your insight

[@rockolin2573]

I have that same sweater from Costco! I’m also frugal

[@debbino4249]

SUPER KUDOS TO THIS YOUNG MAN. ALL SHOULD THINK LIKE THIS. THIS GUY WILL BE OKAY (AND HIS FAMILY)

[@ernestmartinelli9604]

OUTSTANDING!!! No heloc, what a way to go

[@MillennialFinance101]

I don’t know what it is so I will never touch it haha . Sounds like a credit card for your home though

[@YourOwnWay]

You chose a Prius over a Camaro. Humble, humble dude.

[@MillennialFinance101]

Lol that Prius is our favorite car right now! We’re thinking of a rav4 hybrid next!

[@YourOwnWay]

@@MillennialFinance101 All the respect in the world! A mortgage free lifestyle has to feel better than the stress of having a $1500 house payment and a car that you have to justify owning.

[@MillennialFinance101]

Yup! Definitely frees up a lot of cash flow.

[@thugnifecent14]

That boy giving out the game let's go

[@MillennialFinance101]

Where we going!! I’m ready haha

[@tamitam8]

Thank you for sharing your story. My husband and I have very similar financial philosophies as you and your wife. Congratulations on your success!

[@MillennialFinance101]

I’m happy to hear others are in this situation! It’s a great place to be.

[@barosalearninglab]

You and your wife sound like an amazing team! Great work! Keep on winning

[@MillennialFinance101]

We are trying! America isn’t easy!!

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@RadFlo227]

This is one of the realest video I've seen so far. SUBSCRIBED!

[@MillennialFinance101]

thanks for watching!

[@Mo-tn7lv]

Same here!! The simplicity and transparency, should have a couple of 100k subscribers!!!

[@MillennialFinance101]

Mo 1978 thanks! I’ll be happy with just comments and helping folks!

[@Legacychaser_777]

I'm really starting to take a great interest in this life style of wealth!

[@MillennialFinance101]

It's nice to be a bit more free than I used to be.

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@rachelh4906]

Very informative. You as real as it comes! Thank you for sharing.

[@DinksWhoDink]

Love your videos! I found you on a spin off of a Dave Ramsey thread. Thanks for providing REAL content and sharing your wisdom.

[@MillennialFinance101]

Love Dave!! Welcome!!

[@1snakemanvrod]

Love the channel...hey I really want the new Camaro SS 1le..lol...I have two homes and my cars are paid for... Building a new home in AZ...you have inspired me to pay off my rentals early and get financing freedom.... But I'm a car guy...going to get that car one day... 😂 Thanks for giving us the details and that helps!!! Subscribed!

[@Gale4ce1]

You can get rid of the cable bill. Get a Firestick and stream everything for free.

[@MillennialFinance101]

I just use youtube and my free HDTV antenna now!

[@humbledservant9693]

Roku is better.

[@elbell6910]

I share Netflix with 2 other couples!

[@MillennialFinance101]

Slick dealer!

[@lasoniakelley2402]

I love the way your family operates!

[@MillennialFinance101]

Lol we are so cheap. It’s kinda sad looking back hehehe

[@monicacontreras7534]

The bank didn't send you a letter, cause you juked them out of lotsss of money. They were pissed. 🤣 Great job, you did it. Very impressive.

[@juhdah2146]

Some "pros" encouraged people to never pay your mortgage off. I never like that idea, and doing well. No privileges here, those are the people who pay $250 for a pair of shoes without a job.

[@ccdecastro]

I've watched this video like 3 times already, KZbin keeps recommending it to me lol. This video is helping me stay the course though. Thank you !

[@ShalanLee1688]

So happy for you to recognized simplistic life style👍 this is how wealth created

[@MillennialFinance101]

Definitely living well below our means :)

[@katherineroberts5698]

I agree I always buy used cars as well. I wouldn't know how to act with a new auto. Lol!! I bought a 2007 Nissan Altima in 2016 with 70,000 miles and I still have the auto. My daughter told me I am cheap. I told her she has a car note, I do not. Thank you sir for your time, new subbie status here.

[@MillennialFinance101]

Thanks for subbing! I hope your daughter finds the way hehe

[@katherineroberts5698]

@@MillennialFinance101 ...I agree I hope she finds her way also. Lol!! Thank you again.

[@MillennialFinance101]

Bonnie Holman used cars are a great deal!! Especially ones that last!!

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@huizylove]

The show off comment is so on point we know ppl in our family that are in so much debt and use what they buy as proof for a "rich live"

[@MillennialFinance101]

fake rich!

[@stangbang100]

People live to look rich, not actually be rich lol.

[@aziebtefferi6376]

You are amazing! Loved your honesty. Thank you for sharing your personal experiences. I learned a lot from this video. Good for you for paying off your mortgage early bc that gives you a peace of mind that you always have a place to live no matter what happens. A Wise move! 👏👏👏

[@MillennialFinance101]

Thanks! I’m just about ready to pay off my new home but I think I’m going to hold off and invest some of the money instead! I’m not in too much of a hurry since I own one already. I’ll see how 2021 looks lol

[@stephaniegonzalez9594]

Thank you for sharing & for addressing HELOCs!!

[@MillennialFinance101]

Any time! I still think it's fake to this day. I think it only works if you're willing to put ALL YOUR MONEY TOWARDS IT. But that's no different than just paying your mortgage with ALL YOUR MONEY.

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@BigCityCountryBoi]

Most people trash cable and use subscriptions instead. Netflix, Hulu, and Amazon prime combined is cheaper than that Direct tv bill 50%+...😆🤣you're only kidding yourself.... The mortgage payoff calculator is a sweet tool though..

[@MillennialFinance101]

I used to have directtv but ditched it long ago and never looked back

[@send2dwight]

😂😂😂 Dude you're my twin!!! You didn't get a letter from your lender because they hate you for taking money out of their pockets, lol.

[@MillennialFinance101]

haha yeah. they hate people like me!

[@ImOldNow]

The key word here is Have enough income if not then none of what you said can be apply. Thanks for sharing by the way.

[@melihadassah8653]

WOW WOW WOW!!!!!! Thank you for sharing!!!

[@MillennialFinance101]

Thanks for tuning in

[@NaturallyNerdeeNicol]

Be a high income earner Be patient Save

[@MillennialFinance101]

Be high earner but not high spender!

[@krishm9651]

Good to meet another person with the exact like mindset!

[@blessedsuccess7469]

Moved in silence my man is a real boss 💪 lol

[@MillennialFinance101]

;)

[@InfiniteMindset99]

I like your tv setup and your tenacity!

[@MillennialFinance101]

Just trying to make it. Lol

[@hughrobert6189]

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[@clynn4mk]

Congratulations on being a homeowner & thank you for the great advice!!!

[@MillennialFinance101]

You are so welcome!

[@cal88usa]

I agree with you 100% on gifts. Me and my wife do the same thing. Enjoyed this video a lot. Thank you.

[@MillennialFinance101]

Glad you enjoyed it! Yes valentines day just passed and we got v-day dinner cooked for us :). We're such freeloaders haha.

[@sandimarielavati2354]

Martinez is legit and reliable You can check he’s website newlogicsolution.com Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on [phone] via WhatsApp Mail him on [e-mail]

[@MattTheMortgageGuy]

AGREE 1000% that the HELOC method that is so prolific on KZbin is more of a sham than a true HACK. Thanks for the good honest info here. SUBSCRIBED.

[@MillennialFinance101]

Yeah..

[@PerfectMe86]

Wow! This video was so enriching to me. You and your wife have similar values like my husband and I. It's a joy to watch someone so humble and honest about a subject that many people try to get over on people like myself. We're trying to purchase our first home and after watching this video it not only seems possible and nolonger scary at all! Thank you for this and I've definitely subscribed to your channel for future information.

[@MillennialFinance101]

Awesome! I have many videos about home purchase and refinancing so make sure you check those out before buying! It’s important to get the right loan and start off right. Lenders are like sleazy car salesman, they will play tricks because this is often overlooked for new homebuyers. Don’t get tricked out of thousands!

[@PerfectMe86]

@@MillennialFinance101 I've been watching your videos daily and taking notes. I'm working on my credit to insure that we will have a leg up on thing before we purchase. Thank you again for the wonderful content and reaching out, it's much appreciated 😊!

[@MillennialFinance101]

Not a problem at all! I would hold off on a purchase until Biden tax plan if you can help it. I suspect he will offer $15000 tax credit for first time home buyers and perhaps by that time, the market will correct. It is superrrr overvalued right now. But if you find something, the Low interest isn’t a bad thing either.

[@PerfectMe86]

@@MillennialFinance101 there is no rush at the moment as I'm working on having better credit. It's absolutely refreshing to talk with someone do informed on this kind of information and to give it out for free is truly thoughtful of you. I enjoy the fact that you're a family man and also humble in you and your family's movements. So many people these day want to live beyond their means to prove something to other, however I don't get that perception from you and your content. My husband and I will continue to view your channel and take notes to insure we're moving the right ways. I will definitely keep in mind about waiting on Biden and his tax plan. Thanks for the heads up by the way! 👍🏾

[@MillennialFinance101]

@@PerfectMe86 No problem! I will make a video about his tax plan once it's approved. I did a preliminary one already but we'll wait and see what congress will pass when he gets inaugurated. I have many tips on saving money and building credit so browse around! I also recommend dave ramsey's book amzn.to/3bvxLDs (very easy read). It was an eye opener for me even though I was on baby step 6 or perhaps 7!! So I imagine it will have a great impact on those on baby step 1 or 2 as they are reading the book. I'm also still small enough that I can read all comments and respond where I can!

[@jimc.9965]

You have done well! Smart, clear thinking and wise planning. Kudos to you and family.

[@MillennialFinance101]

Thanks!!

[@budgetwithjenny]

Great advice!

[@levelupinvesting5539]

Great practical advice, you are definitely the millionaire next door. In the current economy and market, "full ownership of something" goes a long way. I especially like the concept of future-proofing your car choice. Nice work!

[@MillennialFinance101]

Thanks for watching. Everytime you have to sell something or buy something, you lose money. A car especially! The prius just hit 140k and drives strong!! Great car as the kids grow older too!

[@sharontaylor4795]

Thank you 💕 I am so glad I found you. I needed good, sound, practical advise from someone who would not benefit from me refinancing my home. Great content!

[@MillennialFinance101]

Refinancing can help but shouldn’t have to keep refinancing. Just once or twice if the rates drop a lot and you want to lock in.

[@GnarlsFarls]

good good advice man. i'm doing the same thing right now and on 1 income and 1 child. its tough but doable. I'm projecting to pay off in 15 years thats my goal. Great video

[@MillennialFinance101]

good luck man! Just be weird and ignore the noise!

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[@griselleisara3799]

New subscriber here. So I just refinanced to a 2.8%. Saving 227 on my loan. I will be paying off my car. First. I owe 7,000. Then I’m hitting that loan with a vengeance. I have 15 years to do this. I’m 51. And near retirement. 👍🏼

[@MillennialFinance101]

Good luck and now that you’re completely focused on this, it’ll be simple!! We’re working on our 2nd home now and we’re pretty close!!

[@terrim.602]

I am a new sub! I rarely buy anything new unless it's unavailable 2nd hand, especially clothes. I hate buying new clothes, wash them and they end up fitting funny! I'd rather try on clothes so I know what they will really fit like. I dislike shopping so much, my husband does much of the grocery shopping. Lol! We are selling 2 of our houses and buying our forever home. The amount we are going to owe is about the same as we do now. We are motivated to pay off our new house in 5-6 years. I looked at the velocity banking, but there are too many details and we don't want to make any mistakes. We plan to immediately pay an extra house payment and start the biweekly payments, we will also be living off 1 income, and in about a year we have 3acres we plan to develop and sell on an owner contract. We will earn quite a bit of income to put towards our new house. It's nice to hear other people who think and live frugally and are very proud of it! Thank you!

[@MillennialFinance101]

Hi welcome. I’ve got 10-15 years before I get my forever home! Good luck with the new Home and I like the 1 income strategy

[@fernandacalle2574]

I’m soon going to do a refinance for 10yrs because I hate owing anyone, mostly w/interest. You’re honesty is appreciated & so far I’m enjoying your videos.

[@MillennialFinance101]

No problem!!

[@brucewayne2773]

Words of wisdom from a humble guy. I agree with you . I would have not bought that MDX for all the same reasons, premium has hurts and poor gas mileage. I bought a really nice used 2005 Sienna XLE AWD , love that thing probably as much as you love your 4Runner, love my Prius, I have owned many throughout the years since 2009 . Frugality is important , being humble with money is important. Having a mortgage is the biggest financial burden , so it's important to pay it off as you have done. Cash back with use of Costco credit card for all purchases rewards with Premier membership, no brainer for me also. good job PhoRunner

[@MillennialFinance101]

Wish I got a 4runner instead of my mdx hehe. Those luxury cars also do not hold value at all compared to reliable cars. Who’s phorunner ;) Lol

[@brucewayne2773]

@@MillennialFinance101 isn't PhoRunner your other channel?

[@MillennialFinance101]

Lol it was a joke shhh hehe

[@brucewayne2773]

@@MillennialFinance101 If you and I lived close to each other, I guarantee you we would be the best of friends. I have a Bendpak lift in my 10 car garage and love to work on my own cars.

[@MillennialFinance101]

I would loveeeee a lift. Future home goals LOL. I think about one all the time. Thanks for the coffee brother.

[@phynod1]

Great tips!! Makes no sense to live to please anyone. Live a simple stress free life!! Buying my first home and will definitely use these tips to pay off in 5 years.

[@MillennialFinance101]

Yes! I really hope no one carries out the full 30 year term! That means they bought too much house!

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[@meganmcilwain1256]

An honest account. I like that. Sound advice.

[@MillennialFinance101]

I appreciate that!

[@loltoday4668]

I ove your channel. I'm in the process of refi, so I started with your refi video. Thank God I did. Your tip for Home box was right on time. Put ne on the right track to get the best deal. Now I'm hooked. I'm binge watching everything on your channel. You are awesome!

[@MillennialFinance101]

Welcome!!! Glad my tips are helping. I never would have thought lol.

[@ProjectInfluencers]

I can’t wait to buy my first property! Thanks for the upload man!

[@MillennialFinance101]

No problem. Make sure you check out some of my other videos for how to get a loan and home buyer guide!

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[@securexcybersecurity3840]

Thanks, all make perfect sense!

[@MillennialFinance101]

Thanks for tuning in!

[@Esther-ps3vx]

You are lucky that your wife is frugal too. Great tips.

[@MillennialFinance101]

Lol she grew up poorer than me hehe

[@Esther-ps3vx]

@@MillennialFinance101 Good that she did not change after getting a bit richer. I know someone who grew up poor got married in a rich family and wasted money do much that she did not even mind throwing away good food. So kudos to your wife that she did not change.

[@MillennialFinance101]

@@Esther-ps3vx the funny thing is she is a twin and her twin has nice stuff lol. We are starting to get to a point where our income streams are paying us well over what we will ever need so we may get to that point where we start "enjoying" that money. I told my wife she can buy a new rav4 prime (for tax credits) but she rather get a gently used rav4 hybrid :) for under 30k lol. then we come to the realization that we have kids and decide to wait some more lol

[@Esther-ps3vx]

@@MillennialFinance101 I will say it again that you are lucky. Give her some credit for being sensible. I am like her had all the money after getting married but live a frugal life. I was also born in not so wealthy family, but my sisters are just opposite, they waste money on clothes and useless stuff for the house. And want more and live beyond their means making their husbands life miserable. Anyways good luck to both of you.

[@MillennialFinance101]

Wow hehe. Thanks for the kind words and happy holidays

[@thewongmindset451]

Dang great deal on the first place. Sounds like the FHA was really good for you to get into the deal. Great tips 👍

[@MillennialFinance101]

FhA did help me land the property and had low down payment. Back then the MIP would drop off after 5 years but today it’s never!! I don’t suggest anyone stay in that long term

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[@danieltik]

Love the Prius! I've owned one for 3 years now. No major problems. I think I have at least 3 more years. It's an amazing machine. I bought it for just over 5k and will probably sell for 2500 in 3 years.

[@MillennialFinance101]

It’s an amazing car.!! My wife still loves ours!

[@hnytamo]

You are very down to Earth! Thanks for all the info!

[@MillennialFinance101]

Thanks for watching

[@M.Stick11]

Wow your content is very relatable and practical!! I’m impressed :) Keep it up!

[@MillennialFinance101]

thanks!

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[@pabloya7222]

Your the man...even if some person don't under Stan what your taking about...but I do...thanks.

[@MillennialFinance101]

Thanks for watching!

[@jjjohnston545]

Such good practical advice that’s not full of gimmicks ❤️

[@MillennialFinance101]

No gimmicks here! Thanks for watching

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[@josephrobi6806]

Thank you for sharing I just got big money into my hands. I will pay my house with that and all my bills. You cross the point loud and clear now I know what to do with the cash. Thanks God bless

[@MillennialFinance101]

good luck my friend. Once your mortgage is gone, your life changes and it is much less stressful. I know some people will say investing is better than paying it off but those people don't have paid off houses and don't know the feeling and relief it gives a person. You will never be homeless ever again.

[@josephrobi6806]

Millennial Finance 101 you also brought some good points what if I loss my job what if a crises come etc. After the house is paid off I can still get another one for rental etc. And like you say the feeling is great to be home owner. I would like to look at your other videos also

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[@ellaestaterealty]

Loved the breakdown in the video and in the description second. I appreciate you sharing your experience and what worked for you!

[@MillennialFinance101]

Thanks for watching!

[@domstwist738]

Thank you! You explained everything i need to know!

[@MillennialFinance101]

Nice!!

[@domstwist738]

@@MillennialFinance101 I have question. I did the same, got my house with FHA loan and now paying PMI since last year. Now estimates telling me i got close to 100k equity of the house. What should i do to remove that PMI? Thank you for answering! I appreciate what you do! Greetings from central cali.

[@MillennialFinance101]

If you have fha loan, try to get out asap whole rates are low. The rates are moving up already though but if it’s still lower than fha, get out! The pmi on fha will eat you alive. Refinance into conventional with no pmi even if rates are higher since you’ll still save money. Pmi never goes away in fha!

[@domstwist738]

Thank you so much for answering! I'll look into it now.

[@elizabethcarey1445]

Love your content. Thanks!

[@MillennialFinance101]

I appreciate that!

[@willtoexplore1773]

I died when you said, “ I barely have enough time to watch the free TV that I have”. Lmao. It’s so true. I’m with you on that one. Also, I’m about to close on my first house & I’ve been watching some of your videos. Good stuff! Very helpful. I’m subscribing.

[@MillennialFinance101]

Lol you get to a point where you have too many hobbies and you gotta pick the stuff you really enjoy. Tv isn’t one of those hahha unless it’s a really good show !

[@secretbillionaire463]

It's easy said than done when you're earning good money.👍🏼

[@MillennialFinance101]

I wasn’t always! Hehe thanks

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[@gregorylyon1004]

I paid my home off in 7 years. But I didn't buy a home that was more money than I make in a year. I went the simple route it worked perfectly and I bought another one after that. I paid that one off last year. Lol

[@SchoolofPersonalFinance]

Nice Video!! Keep doing your thing!!

[@MillennialFinance101]

thanks! I saw your video also and good luck with the channel!

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Congratulations on your success....... Great content! I subscribed to watch your story!

[@MillennialFinance101]

Thanks!

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No prob

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I would never try to pay off my house fast, let the inflation and time(appriciation) make me money.

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Great Video!!!!!!

[@MillennialFinance101]

Thanks!

[@rebeccaparker9703]

Not sure if things work differently in the us but in general it’s a lot better in the uk to remortgage every few years as you get a special rate for 2/3/5/10 years but then are put on the base rate which is a lot higher therefore a small charge for setting up the mortgage is worth it. Beware though as you do really need to sit down and work it out. When remortgaging keep the remaining years the same ( ie don’t go back up to 25 years) or if possible reduce them slightly so you pay off your loan faster.

[@MillennialFinance101]

That’s too much math for most hehe.

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thank you for providing useful information and not click bait

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I enjoyed this video ! Thanks for telling us the truth.

[@MillennialFinance101]

Thanks for watching!!

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Love your mind set Minh! More men should be thinking like this! We’re currently applying some of your tips in our daily lives already. Looking forward to more videos!

[@MillennialFinance101]

Helecia Oum thanks for the support. I got many videos up already so check them out!

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[@MillennialFinance101]

thanks for watching!

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I like this video it was entertaining haha not boring like other ones, even funny at some parts, keep em coming

[@MillennialFinance101]

lol thanks. I got many more on my channel!

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@@MillennialFinance101 o yeah i did subscribed yesteday saw like 10 videos haha good advices man