The magic of a one-time partial mortgage payment: your net worth increases

Should you pay down your mortgage and live debt free or invest? There is an even better option with a one-time partial payment. Update – April 13th, 2022 A major calculation error in my spreadsheet has shown that the content in this post is incorrect. While I still believe that paying down your mortgage provides… Continue reading The magic of a one-time partial mortgage payment: your net worth increases

Asset Based Mortgage Lenders – How to get a home loan with your assets

How to get a mortgage with your assets, even with no income and/or retired. Are you retired and trying to refinance or buy a new house? Or maybe you are NOT retired, but have assets to cover a home purchase, but currently have no income? What you are looking for is called an Asset Depletion… Continue reading Asset Based Mortgage Lenders – How to get a home loan with your assets

Pay Off Mortgage vs Invest Calculator

Should you pay down your mortgage and live debt free or invest? My spreadsheet works with both Google Sheets and Microsoft Excel. It is a simple and easy to use template for running various pay off your mortgage vs. invest scenarios. Pay Off Mortgage vs Invest Calculator Spreadsheet for Google Sheets & Excel Now you can easily run scenarios… Continue reading Pay Off Mortgage vs Invest Calculator

Refinance now to improve your savings rate, cash flow, and overall wealth

Interest rates remain historically low. If you have not refinanced, please do so now! We recently finished up refinancing via an Asset Based Mortgage to save $500 on our total mortgage payment. This was huge for us, especially after Accidentally Retiring. Not only are we now able to save $6,000 a year in total expense,… Continue reading Refinance now to improve your savings rate, cash flow, and overall wealth

Best Financial Independence Calculators & Tools

This is a comprehensive list of the best Net Worth, Financial Independence, and Retirement Calculators & Tools that I could find and test. I have used many of these calculators myself. Personal Capital’s tools cannot be spoken more highly of for managing a budget, investments and tracking net worth. And from time to time, I… Continue reading Best Financial Independence Calculators & Tools