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- เผยแพร่เมื่อ 16 มิ.ย. 2024
- In this video, I talk about how living mortgage free was not what I expected it to be.
Learn the skills you need to become financially free or ask me anything - askjereme.com
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I worked so hard to pay off my first home. I literally bro down crying in my kitchen when the lady over the phone congratulated me. What a wonderful feeling.
Congrats man, I'll be joining you in 36 hours when my last mortgage payment posts, 100% debt free, breathing a sigh of relief.
Well done. Contact your bank and find out if they will celebrate with you. I have just paid my mortgage off and Barclays said what would I like,flowers, a hamper or champagne. My hamper is arriving tomorrow. It is worth celebrating. Maybe burn all your unwanted mortgage payment bills or buy something nice for your house or geta painting made.
I’ve lived in a paid-for house since 2016. My biggest takeway (and surprise) has been the wonderfully overwhelming feeling of “this is MY house…MY roof over my head”! I always felt like and assumed my mortgaged house was mine. But the peace and satisfaction I have now is so much greater than when I lived in a mortgaged house! Having a paid-for house also allows you extra money to pay off your car, truck, and other debt. This spells F-R-E-E-D-O-M to me.
How does it feel now a year later ?
@@garyshea3515 It feels awesome, I had money for every fire drill that came my way, finished up my living room, have the money saved to replace fence and install shed this summer, getting ready to replace the car. So much less stress.
@@kimalexander8378 I want that. Am 36 and still have 225K mortgage.
35 years old, just Paid off my 215k/15 year Loan on mortgage in 3.5 years. I lived within my means/ lived frugally for last 3.5 years, saved 75% of my income and threw in the Principal. Now I am learning how to invest my money and travel the world!
Not too hard if you make around $150K/yr or more.
I feel you on the discipline part. I am disciplined because I have to show up at work everyday, but I get so mad at myself when I'm not disciplined for myself on MY days off for my own free time. So I've been working on that. I hate that I'm programmed to show up for others and not for what I want. Great video! Thanks for sharing.
I like the way you put that, Amber. I hate that I am programmed to show up for others and not for what I want. I think that's a powerful realization.
I don’t know if you’ve heard of the four tendencies book by Gretchen Rubin but one of the tendencies is to be an obliger and you may just need something to hold you accountable for your YOU days. I know as I would be the same myself!
You are probably the type that needs outward expectations, and you struggle with meeting inward expectations. Have to set goals and deadlines for yourself and find someone to hold you accountable.
100% - I absolutely feel the same way.
I feel the same. Well put
This reminds me of how we are often stimulated into action by fear. Once we no longer have fear we have to cultivate the habit of action based on healthier motives. But for most of us from school age until well into our adult hood we’ve been motivated into action by fear. It’s a journey to develop new stimuli
100%. We have to replace fear with will power.
well said!
Facts
Truth. Me being one month away from not being able to pay rent was a wake up call. 10 years later I have a house and no debt. With a goal to pay off my house 15 years early.
I’m paying off my mortgage this coming Tuesday! Pushed hard to do it early. I enjoyed your TH-cam. I haven’t seen any others on the topic.
Well done. Contact your bank and find out if they will celebrate with you. I have just paid my mortgage off and Barclays said what would I like flowers, a hamper or champagne. My hamper is arriving tomorrow. It is worth celebrating. Maybe burn all your unwanted mortgage payment bills or buy something nice for your house or geta painting made.
Great video. I’m in my 40’s, single Mum, plugging away at paying off my mortgage. 7years left! Very inspiring video.
Love this! Focused intensity is what you must have and not worrying about what others think. We paid our home off March 9, 2020 and the very next week the lock down happened. I must tell you the peace and contentment that we have had since all this craziness started is a blessing. Being completely debt free gives you true peace and you can help others that need it. Keep being an inspiration and have a blessed holiday!!!
So awesome, Nisa! Thanks!
Well done. Contact your bank and find out if they will celebrate with you. I have just paid my mortgage off and Barclays said what would I like,flowers, a hamper or champagne. My hamper is arriving tomorrow. It is worth celebrating. Maybe burn all your unwanted mortgage payment bills or buy something nice for your house or geta painting made.
Paid off mortgage last year and retired just recently. I find it entertaining to find areas to save money in, but not really altering lifestyle too much. Wake up with no worries or stress!
Well done. Contact your bank and find out if they will celebrate with you. I have just paid my mortgage off and Barclays said what would I like,flowers, a hamper or champagne. My hamper is arriving tomorrow. It is worth celebrating. Maybe burn all your unwanted mortgage payment bills or buy something nice for your house or geta painting made.
Dear Jereme, just keep reading the Bible and God will work all those desires in you and for you. Seek first the Kingdom of God and all these things will be added unto you. Don't worry about anything.
Thanks KMK! I believe that!
@@gojereme you're welcome. Have a wonderful Christmas and New Year. I will pray for you.
Wise words
@@karenc1733 All from the Bible.
I know the feeling. I paid off my mortgage during the end of 2020. It’s such a wonderful peace of mind to know I don’t have to worry about mortgage or rent again. Yes, we still have to consider home owners insurance and property taxes, but it’s only a few hundred dollars a month. I love it here!!
Congrats Divine!
How long did it take you to pay off your mortgage? Did you do any house hacking or Airbnb to help with payments?
@@cherylvargas9187 Hello. I purchased my home in 2003 with a 30 year mortgage. It was originally supposed to be paid off in 2033. I started making biweekly mortgage payments through an authorized third party company. That resulted in me making two extra principal only payments a year. That knocked off several years. I also increased the amount of my principal payments each payment. That took off several years. In the end of 2020, my mortgage balance was lower then the amount in my emergency savings. Although it’s frowned upon, I took some of my savings and paid off my mortgage. With no mortgage, I have been able to put even more back in my savings. I have no regrets. The only bad thing about paying off your mortgage is that it makes it really hard to wake up and go to work each day. Lol
@@DivineElementsDesign
Congratulations, but insurance is optional, self insuring and growing wealth in account is an option too, more freedom
The Mortgage was my husband's #1 worry when he found out that he had cancer, Thanks Be to God that I was able to put extra towards the principal and a 20k gift from our parents. I was able to Surprise my husband with a paid for house a month before his surgery 🥰
Wow, what an incredible gift Meleena! I can only imagine the look on his face.
I’m so happy for you Meleena what a lovely surprise for your husband at a time when you really need it. I truly wish you well xx
❤️
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@Conscious Pennies he is Thank you 😊 🙏 ❤️
Paid off mortgage 1 week ago and the fee to change the title yesterday. I can't wait to experience the "floating" feeling of debt freedom.
My goal is to have the "mental/account space" to be generous without concern, I have prayed for many years to be debt free and doing more in my personal ministry.
This is exciting! Thank you for sharing your experience.
The borrower is slave to the lender.
That is the best advice I have ever gotten... waking up in the morning with no mortgage, no car payments, no credit cards, and no loans is an unbelievable feeling. It gives you power and choice over your life
So many people are brainwashed into thinking you need a credit card, need a credit score, etc. I haven't had a credit card or used credit in 9 years. I don't know my credit score and don't care.
Love the last line the most! I don’t know it and I don’t care! Same as me
My Wie and I are enjoying your videos. We are two generations older than your two but our experiences with getting out of debt and being debt free are similar. We had difficulties and dissapointments with the reaction to our desire for financial independence from family and closer friends. I was often reminded old Revellations when John writes about the need to leave people behind and keep moving towards the light. The personal sabotage and negative reaction
Interesting insights. Number 3 especially resonated with me. We have paid off our mortgage, have no other debts, and live frugally. This has allowed me to downsize my career and work part time, so I have more time to work on personal goals and projects. But just because I have the time does not mean those things have been automatically happening. I needed to hear this today. Thank you.
You are a good man, Jeremy. I just discovered it today. You just won a new subscriber. I am a lot older than you, but my husband and I will be done paying for our house in two years. What a relief it will be. God bless you and your family.
Thank you Paula! I'm happy you are here!
Mental space or margin on your page is priceless. Observation #2 has been a big one for me too. No need to care what anyone thinks and more time to care about how we relate to others and live out our faith.
It makes total sense. I spent majority of 2021 trying to get myself to do things I wanted when I had a job but realised it wasn't that easy. It's really a mindset thing
So inspiring! Love the piece about intentionality and still tracking expenses. Blessings to you and yours.
Great content as usual, I loved this as I am about to invest in uk property with 70k deposit (plus fees and more savings for furnishing and decorating) to buy my own place, but I am also treating it as my fourth investment, having two spare rooms for lodgers to cover this property mortgage and tax costs... and to build my equity whilst working my day job for my next investment.
I always appreciate and am forever open receiving tremendous amount of value for all content intended for beginners. Thank you for helping build confidence to get a jump start in this challenging marketplace.
Nice Zachary I did my look online and got he’s profile socials, found he’s a trading coach and well established in the field. Speaking with him really change my view on financial diversity.
I Love that God has been number 1 in your life, being able to accomplishing these financial and life goals in your life. This video is an amazing inspiration and how important it is to have Christ in your life in all that you do
I'm so inspired. I am 2 years from paying off my home and my husband and I cant wait to have peace. Covid has been so stressful.
2 years away ....Wow .. that is great .
👍
We are 4 years away and expecting our 4th child. By the time the kids are all busy in the community we will be able to keep up because we will have more time and money to do fun things with them.
We paid off our mortgage last month. Thank you for your wonderful and uplifting words of encouragement. It felt fabulous not to have to pay a mortgage today, May 1st. We look forward to moving forward with this new experience. Enjoy your week, Al S
Well done. Contact your bank and find out if they will celebrate with you. I have just paid my mortgage off and Barclays said what would I like,flowers, a hamper or champagne. My hamper is arriving tomorrow. It is worth celebrating. Maybe burn all your unwanted mortgage payment bills or buy something nice for your house or geta painting made.
There is a profound sense of accomplishment in being debt and mortgage free. And yes self discipline is key to anyones peace.
Love this! We paid off our mortgage in October of this year... the feeling of security is amazing. Also love how you talk about being able to be more picky about what work you will do because you dont need as much. Thanks for sharing your journey with all of us!
Amen to this but also a thought as I read most of the comments, considering that God only weighs the hearts, I experience a sense of security in my finances and I do have a mortgage. The sense of security came from trusting him in finances and giving when it made NO sense for me. It was hard but he gave me a new revelation around finances and provision and that set me free and I feel secure everyday. Not to play down the blessing it is that you have accomplished that by the fruits of your labor and diligence, just the security aspect side of it can also be a bit worldly, someone who doesn't know Jesus may also find peace and security in having no debt or financial stability, while someone in a third world country who is also living by faith and in their entire lifetime will never own a place or retire, but have the same peace as you just because they know God is their provider.
@@davidgallo2098 I agree with you! I am a stay at home home homeschooling mom of 4, so the fact that my if something happens to my husband we won't lose our home is pretty huge for me, but God is good and he definitely provided for us to allow us to do this.
Jennifer- congrats!
How long did it take you to pay off your mortgage? Did you do any house hacking or Airbnb to help with the payments?
@@cherylvargas9187 Hi! It took us 6 years to pay off. We did flip a house that helped speed up our process by 2 years. Other then that just pinching pennies where we could.
@Conscious Pennies Thank you! It took 6 years.
I feel like People don't understand unless they experience on their own. Congrats and happy for you and your family. Inner peace is just so important!
Your third point hit home with me. We just moved into a new home and I was excited thinking about how I was going to organize the home and setup my garden, but thinking it and doing it are two different things. I have the time and the money but I am absolutely dragging my feet getting anything done.
Congratulations! I appreciated your thoughts. I just recently paid off my house and I am thankful you made this video to get my mind right. God bless you brother
I found once we got out of debt it freed our mind to think about what legacy we were leaving family who follow us. Now we have decided to pay the mortgage and are getting close it feels like we can choose our next life...what will we do with our financial freedom? Not sure yet but we are watching videos like yours to see what new motivations we might receive! The biggest goal is time freedom...money can buy the security to get it i(n my paid off home). Thanks, really thought provoking and feelings we are starting to experience...i feel like I'm growing and learning still at my age!
Intresting thoughts. Let me give you a piece of knowledge from a all time home owner family (Im the first to rent): you still have mortgage.
Not the monthly payment to a bank that gets angry if you dont deliever, but you should still save up money. Maybe less then you did for the real mortgage, but now it is your responsibility to care for the house so you need money to...
... remodel the bathrooms after 10 years
... change all the doors after 15
... paint down the fassade
... rebuild the fence
... change the windows
... paint indoors
... buy a new kitchen
... replace the garage door
and so on.
Dont let your house fall apart and take up a big credit in 30 years to do everything at once. Do something every few years, and you will have a lot more fun in your home.
Videoes like yours have inspired me. I bought home in jan 2023 on 30 year loan as i could not afford risk of taking 15 year loan as i m only earner. Anyways, when i saw your other video it inspired me. I work hard on paying extra money towards principal. As of today i have reduced the payment timeline from jan 2053 to july 2048 by paying extra. I will continue to put extra budget towards paying it off because i do not like the odea of owing someone anything. I would love to really in every sense own my home. One thing i need to oush myself for is getting job that pays me better.i dont drink or smoke. I may go out to eat 3 to 4 times in a month. Trying to cut down other expenses..but want to feel relief of fulling owning my own stuff. Property taxes , insurance and utilies are still a lot less than the amount we waste on interest and emptional energies we spend when we are in debt.
I've always lived within my means. I didn't buy a house until I was sure I could afford it. I'm not a spendy person. I don't want to buy expensive things or take big vacations. I never really struggled or sweat over the mortgage payment it was just something I knew had to happen and it did. Automatic payment thing. I was saving up to renovate and at some point I realized I had enough money to pay off the mortgage. I calculated how much I would save over the remaining about 15 years. Maybe I could have done better with Investments but I'm not a risky person. The money I'd save was a sure thing. I was sad for a while with a much lower bank balance. That's changing at a rapid pace now. My spending is still the same. This all happened before covid hit. That was the biggest relief. Going into covid with no mortgage! With all the shutdowns I wasn't really worried about my job but I also had nothing to worry about or actually a lot less than probably many people. So yeah the peace of mind is there but it's not like I ever worried about losing the house or not making a payment I wasn't ever really in that situation. So nothing's changed much other than I put off the renovation. I have started some Investments with the money which give me additional peace of mind for the future. I still don't think I'm rich but having it paid off mortgage sure does feel like it and when you tell someone that which I generally avoid they think you're rich too.
Totally resonate about spending more $ when you don't have a mortgage. That happened to us also. We pd off our mortgage 5 yrs ago & we were shocked how we started spending or wasting money. We had to curb that really quickly.
That dining out bill can add up quick, huh? lol
@@gojereme Yes, it can. We now only eat out on Sun after church & sometimes one other day on our dates days.
We took what we were spending on our mortgage after we paid it off to was to fully fund my husband's 403b... now that's a "normal expense " we are considering sending our kids to private school (to give them a "normal" school experience, plus Christian education)
@@kakylong2 Thanks for the tip
, my husband and I were just talking about only eating out once a week on Sundays after church too.
I’m in my mid 60s and became debt free at age 45. I still worked a 9 to whatever time job till age 61. I did find myself going on a bit of a spending uptick (musical instruments) but that has been tamed. Yeah!!!
I have set up a weekly schedule of activity to guide my days - the discipline thing. That’s absolutely necessary for me to not waste time in front of the TV or laying too long in bed. Also, I’m working on a spending plan for 2022 to be very intentional on where dollars go. I don’t like waste of any sort.
Great inspiring video 😀
Thank you for the comments, my wife and I are looking forward to hopefully not having a mortgage soon. So I assume you only have your property taxes and utilities, right? And money set aside for maintenance?
@@kbanghart Correct I set aside 1.5 to 2% of the value of the value of my house for repairs. I experience wind, hail, sun exposure and slight settling that may cause one year to have larger expenses than another. However, I’m ok with having these issues to deal with. Paying real estate estate taxes is like paying very inexpensive rent - lovin’ it. Please get there as soon as practical for yourselves 😃✊🏽👍🏾
@@southjersey10 yeah I've been thinking about having a very small mortgage payment, but after considering the term of the loan, and all the interest you have to pay up front, that just seems like so much cash thrown away. Seems much better to work on saving that money and putting it back into maintenance, like you said. I'm going on 25 years of paying into a mortgage and would be nice to stop that soon.
@@kbanghart If you had a 30 year mortgage, you would have 5 years of a higher percentage of the payment going towards principle. It may be a good strategy for you to save more to help fight the current effects of inflation.
There is a verse in the book of proverbs that says the rich rule over the poor and that the borrower is slave to the lender (Proverb 22:7). Financial freedom just feels good. Take care and be prosperous. 😀
How many guitars is enough Mark?! Lol
Thanks for sharing from the heart. The freedom that comes from having no debt can result in odd feelings. We have to intentionally deprogram our minds to think and live differently from the messages we are bombarded with from friends and the media. Family support and encouragement is huge, as it could otherwise be a lonely road (if you know what I mean).
I think it can get lonely at times - something I didn't mention in this video, but a topic worth discussing.
I have to thank you! I was working towards FIRE while living in Portland; saw one of your videos about 6 months ago and it all just clicked. I started virtual real estate tours; bought cute home for cash in a little town on the East Coast... and we began our trek cross country. We moved in on Christmas Eve. It was a journey in a lot of ways; and it feels a little surreal; but also, a blessing and relief. It wasn't an entirely smooth situation; but, it was all worth it. I appreciate you sharing your story!! Happy Holidays!!
Did you buy it sight unseen? Where? I'm also interested
We’re 47 and 40; gratefully mortgage free as of 3 days ago…feels great. True; an indescribable peace 😊!
Happy for you! Congrats!
Well done. Contact your bank and find out if they will celebrate with you. I have just paid my mortgage off and Barclays said what would I like,flowers, a hamper or champagne. My hamper is arriving tomorrow. It is worth celebrating. Maybe burn all your unwanted mortgage payment bills or buy something nice for your house or geta painting made.
I still have the "have to's" list and other family members ask things of me knowing I only work a day or two per week and have the time. I start everyday with the have to's and if I am feeling up to it, will do the want to's.
I agree wholeheartedly about the intentional spending. But really it needs to be part of your intentional living. I find myself get distracted away from intentional living and someone like you is put in my path to remind me. Something that helps me is having a core question I ask myself. I believe that my existence is a gift from God. I am given time, energy, money and other resources that God expects me to be a Steward of. Am I being intentional, respectful and loving with the resources under my Stewardship? I am in awe of Christians like George Muller, St Francis of Assisi, Charles Spurgeon, Mother Teresa, Brother Lawrence and many others. I wonder what my legacy will be?
Working as a nurse in norway. Will be debt free when i am 60 years. Hopefully. 37 now and are careful with money.
Feel the same. Remain grateful and grounded a lifetime. Sometimes it is okay to get any local steady job to interact w/people (and get paid), and not feel the struggle or place too much expectation w in /a short period of time in your business. One year is a short period of time --considering you may live to be 100. More important to develop good lifetime habits and be eased w/it.
You have time to think and how to thrive not just survive. You are on the right track. Choosing is correct. Be grateful. Good Fortune to you and all.
I am mortgage and debt free as of July this year - ten years early.. I gave myself a few months to do the things I had denied myself and took my family away etc. From January my plan is different and I will be more intentional. Great video Jereme.
To celebrate your achievements and get up to date on stuff that you sacrified during the pay off period is a great idea. We’re debt free, but not mortgage free (25% of the house value left of the mortgage). I go hardcore while working towards a goal and when I resurface I do need to celebrate and get some new items for my closet etc.
@@catharinab8860 wishing you the best of luck with your goals Catharine. It’s a wonderful feeling of freedom and to be able to help out my family has been priceless. Sending a cash gift to my nephew when he’s at uni so that he could enjoy the run up to Christmas was awesome
Your content is always so thought provoking and deeply resonates with me. Creating financial margin in our lives is the foundation for good mental and physical health. Marriages and other familial relationships can often be irrevocably fractured from money problems. The proverbial hamster wheel is soul numbing. Time to consider how to pursue a better and more meaningful life.
Totally, but what sustains financial margin is good principles and habits. I believe that most of the time money problems in marriages or in someone's life is the symptom of bad habits not the root cause.
In a duplex, how do you split the cost of siding, roof, the shared side of the home? I always wondered that.
We are trying to pay off our home in five years, it’ll be so tight….but so worth it!
Yes it will, Heather! You got this!
Love to see how you are living free, and so young. Always put( YESHUA 1st in life), and the Lord( will give you wisdom and understanding) for you and your family.✝️ 🕎
You know you’ve made it when you don’t have to think about paying for gauc 🥑
Amen!
Whoop whoop!
The ultimate luxury, right?!
Haha
Haha right! The possible life events that scroll through my head in line at Chipotle!
I understand. I'm definitely learning to become more structured after paying my home off. Learning to SAVE that old payment🤦♀️
I paid up all my mortgages in 2yrs while working with a Financial Adviser. I’m 50 and my husband 54 we are both retired with over $3 million in net worth and no debts. We got to realize that the secret to financial freedom is making better investments.
That is so amazing, I’m trying to get onto the investing ladder at 40. I wish at 55 I will be testifying to similar success..
How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings
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..
Thanks for this. Found her and looked through her credentials before contacting her. Once again many thanks.
Freaking scammers.
Awesome insights. The Bible says that without boundaries we run amuck. That's why lotteries winners who haven't learned the principles you describe eventually lose it all. Best wishes to you and your lovely family. Your children will grow up and be better off emotionally with your peace and stability.
Screw the Bible
Hey Jereme , Thanks for sharing , it's helping man so keep making videos brother !!!!👏💪
Living with peace is sooo important. makes everything else less stressful in your life. Thanks for doing vid. : D
I was self employed for 4 years and I really was surprised about the energy I developed during that time. Also awesome to choose how you allocate your time during the day.
Cool message brother. God bless
It really is pretty awesome!
Just paid my 30 year in 10 years. Might take a less paying job to improve my mental state. Family is what’s most important. Great video.
I'm so proud of you and your wife Jereme. You guys are a great example of what can be done when you place God first, focus, and are persistent in accomplishing your goals. =) Can't wait until I start forgetting about the guac. lol... I'm serious and joking at the same time. =)
I get the discipline statement 100. Being forced to work is different than working at your leisure.
Haven’t made a house payment in 15 years, loving it. Freedom comes with stress free living.
I understand some of the things you're going through. We just paid off the last of our debt that we were placing $2,000. per month and all of a sudden, we found other items this month that took up that commitment. True, part of it is due to Christmas presents, but we certainly don't want to get sloppy on our spending habits.
Jereme, Thank you for the video, one thing I'd like to mention is how the words economy and ecology have the same Latin root word, eco, basically translating to home. To me, this shows that to have a healthy home, we need solutions that are both economically AND environmentally intelligent. With this in mind, the Federal tax credit for Solar PV and solar hot water panels is 30%.
wow! I take note and fully agree with you on this one, (what you say, ) '.... nothing changes unless you do...!' I'm left with 2 months to finish paying off my mortgage! & retiring in 5 months time.
God bless!!
I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing
Not quite long I started investing. I'm very curious and need help on how to enhance and increase my returns. Any good investment tips would be appreciated
@@eadad4371 Alright so generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with (REGINA LOUISE COLLARO) an investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her.
She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy...So I’ll advise you do get a good Investment advisor for yourself.
@@skoopqueen. That’s great , your investment advisor must be really good,I have seen testimonies of people using the help of investment advisors in making them more financial stable. Do you mind sharing more info on this person?
@@eadad4371 She is easy to find , make a quick research of her on the internet with her name Regina Louise Collaro and leave her a message .She works with anyone independent of their location.
@@eadad4371 I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me .
This is a great video! We will be paying off our Mortgage in a couple of months.
Thank you for your insights!
Merry Christmas 🎄😀👏🏾👏🏾🇺🇸 Jereme to you and your family!
It’s good to see a young couple living this lifestyle. This is mine and my husbands goal but we still have the mortgage to pay off. We are in our 30’s so hopefully we can make it happen soon and learn by learning from you and your wife’s example.
Hey Christiana, I believe you can do it!
Christiana, you and your husband can do it. My wife and I are in our 40’s and that’s when we decided to pay off our house. Truth be told, we will be paying our last payment today.
@@shaunhenderson2071 that’s awesome Congratulations on your paid off house! That’s encouraging!
@Conscious Pennies thanks for the encouragement!
@Conscious Pennies I agree, it will all be worth it! I wish you all the best with your financial freedom journey!
Very insightful. Thanks for the video my man! I'm 35 and still have about 7 years left on my mortgage, but I've been really contemplating if I should hyper focus on trying to pay off my house asap, or save/invest in other things. I appreciate your content. God bless!
Pay it off. It’s worth it trust me
Thank you very much for sharing. It's not the destination, it's the journey.😇
I’m 39 and should have our house and rental home paid off within 4 years. Really appreciate this video, man. Subscribed and looking forward to checking out more of your stuff!
love what I see of your home!!! those windows and beam and everything (rhyming)!!!
Very mature and wise perspective Jereme. Thanks for sharing.
Appreciate that, Chris. Thanks for watching!
AMEN.
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 44 and my husband is 50 we are both retired being financial independent, no debts. Currently living smart and frugal with our money. Saving and investing lifestyle in the financial market made it possible for us this early even till now we earn monthly through passive income.
Congratulations on your retirement!! Not quite long I started investing. I'm very curious and need help on how to enhance and increase my returns. Any good investment tips would be appreciated. Thanks
@@lagoodgirl4625 It's not a problem at all! I would advise you to determine your investment horizon, but I recommend a long-term plan if you are looking to make a lot of profit on your investment. I created a long term investment plan with Lewis James Godfrey who helped me invest and manage my investment which helped me a lot. I earn passively from the investment even after retirement.
@@abhagauri9381I appreciate your advice. It's hard to find someone that's reliable. When I see what you've achieved by investing, I could really use your investment advisor., if you don't mind sharing his information.
@@lagoodgirl4625 Okay, I work with *LEWIS JAMES GODFREY.* You can browse about him for more info. He is U.S based.:)
Having a good financial planner is like having a mentor . I was losing my money trying to invest on my own but it was different from Lewis James Godfrey. He has played a great role in improving my finances. Long before now, I relied solely on my work and salary. Right now, I have a way of making much money and without stress so I quit working for others . Honestly , investing isn’t a choice anymore but a must for anyone who wish to gain access to a good and an independent life:
I appreciate you for sharing your experience with me. You are like an answered prayer! I have been contemplating getting a mortgage in the future, as I believed it is something everyone has to do at some point in their lifetime. However, I am currently in debt, and I have realized that my thinking should change first. Otherwise, I will get stuck in this vicious cycle of accumulating debt and paying it off, which never seems to end!
Yes, I did (do ) squeeze the lemon in my free water all the time!
haha I still do. I really do just love the taste.
Add sugar and stir
I'm 52 and retired. My wife and I have always been disciplined with money, while still living in four different countries and travelling internationally when we really wanted to. Our house is almost paid off and we enjoy just pottering around, making our property a little oasis. I retired fully when covid hit, because I wasn't going to wear a mask all day at work or get vaxed against my will. Because we had saved and invested enough(and I have a modest pension through the Army) and kept our lives simple, we can relax at home and choose to work or not. I can totally relate to your elation at having options, in regards to having to work somewhere you hate or if the job environment changes for the worst. You don't have to have a lot of money to be content. Contentment comes from having options and not being trapped.
Thank you for this great self-reflection. I paid my mortgage off in 2 years and 11 months. I have been mortgage-free for just over a year. I have found that I have to be more intentional with my money.
Great video of successes and challenges. Self aware/reflection ♥️♥️♥️
Thank you for your help in directing everyone in a debt free life!!
This video made complete sense to me. We are about to be in a very similar situation and I hadn’t given any thought to much of what you mentioned. Thanks 👍
I am also in a position to walk away from my job. Naturally, that doesn't help my retirement funding - but it makes me so much less stressed so I try to be valuable. However, if things go sourth - I can walk away.
Its time to make a very carefully prepared financial plan for the rest of your life including your retirement. I've been doing just that for many years. My experience has been that suddenly many in the church and elsewhere become very poor. Don't be taken in by anyone who says "the Lord told me....." or put you on a guilt trip if you don't give/loan them money.
I was 48 when the mortgage for our house was payed off, and the next year we bought an appartment in the city where the children study, two bedrooms, they both live there now and my daughter will probably keep it for herself... Europe here, we basically get a taxcut on a mortgage that compensates for the interest and half of the initial costs, and it's cheaper than renting a place for two students.
I totally agree with the feeling you explained. I still find that even though I can buy the drink I often still get the water with lemon just because.
Jerome, I am so proud of you! So young and on the right track! ✅
Good vid, I’m in a similar situation and appreciate it each day.
I've lived this debt free life the past 20 yrs and I'm 57 now. I love thinking up ways to save $$ or enjoy life like golfing.....I pay $13 for a round instead of $200 like some fools actually do. Bought a new 4runner last week, I think I overpaid but I will utilize that vehicle like no other! Timmy C Arizona
Paying our mortgage off was a bit of on anticlimax. There was no final letter congratulating us lol, it was just the payments stopped going out of our bank account. It feels a bit like magic trick.
Amen brother 🙏
That’s a great point: it takes the same amount of effort to live disciplined regardless of being debt free.
It was food the essential in past days but now its home for security purpose . We are advanced but still insecure .we laid lot of boundaries good as well as bad reason
I love your thoughts! Greetings from Austria!
Hey, thanks Alexandra from Austria!
How did you know this is the exact kind of video I was looking for today? We're in the last few months of our mortgage payoff journey and have gotten here sooner than expected. I keep looking for videos on life post-mortgage but they are few and far between. It's going to be weird needing so little each month for our family to make end's meet and I'm hoping I am up for the new mental challenge of not having the excuse of debt payoff taking up some much of my time. Time in the Word and serving others will still be challenging because my own sinful nature will be as real as ever.
Congrats Todd! So happy for you.
For sure, I've realized the more time and mental space I have the greater the weight of what I was called to do burdens me. The shift is not just about becoming a good steward with your money, but with your time as well. I didn't see many videos on the topic either, so I wanted to start a conversation about these real things I'm feeling.
Awesome video! I am so happy for you and your family blessings!
Wow as soon as you started quoting scripture on how we are supposed to be managing our money and taking care of family hit home to me… you got a new sub now! Love this!
There is such a sense of financial peace when you have a paid off house. I have a paid off house that is now a rental and a source of passive income. My principal residence has a mortgage. My financial goal in 2022 is to make double mortgage payments. I’m a nurse and very fortunate that I can work extra shifts for additional income. I determine my earning potential and my financial future.
Sounds like a great plan, Mary! What a blessing to have one house already paid off!
Were do you work and which country? Congratulations 😇
Max out your Roth 401k or 403b too. Invest in divided stock's too. RN
@@alexanderhauge2636 I work in the USA at a hospital. They are paying us large bonus for each extra shift we pick up. I went part time in November 2021 but make more money now when I pick up extra shift at bonus rate. I don’t know how long this will last but I’m taking full advantage of it.
@@maryannrogers8675 yes I Would have done the same if I were you. You are lucky to have one of your homes paid off 😄 I will be debt free hopefully when I am older 😄 how much does a nurse make annualy in America?
First video of yours that I’ve watched and I can tell you are Spirit-filled! Great inspiration here!
thank you for this information!
I’m focusing in paying off my house mortgage in 7 years. it’s the only thing I owe. Thank you for your video and congratulations on your achievement.
It is good to have total freedom. I got this job which on some level seemed mindblowingly great. We hardly worked and got paid full pay. The job was very strange indeed. One. day there was nothing to do except have a food party and one day it rained so we got to stay home and watch "work related" movies sent to our emails. People were coming in two three hours late and that was OK. But, people there treated me in a demeaning fashion and that I did not like among other things and I quit. Feel bad sometimes like I should have stayed for the money but that came with a trade off.