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I will be done in 2026, God willing. I still get people that say paying off your mortgage is the wrong choice. But with this economy, I don’t see how it could be a bad idea.

Hello Tinesha thanks for the information.💜

SWITZERLAND 🇨🇭 IS A VERY BORING COUNTRY .

Geneva is the canton(state) in switzerland with like the highest crime and sexual delict rates. It's also the place in switzerland with the highest muslim population

❤❤❤❤When you know better, you do better. I thought until 2016 that investing and saving are the same thing. I thought just saving in a 0.1% savings account and investing in my work 401k was all I needed to do. 😂😂😂 Now I know invest in my brokerage account AND save in my company’s 401k & HYSA too….😂😂😂😂

You’re killing it! Huge congrats to you! 🎉

I just paid off my Mortgage this month!!!!!!!! 10 years early (30 yr. mortgage loan that I paid off in 20 yrs.)!!!! Keep up the great work to all on this journey to being debt free/paying off the mortgage.

Thank you❤

Thank you❤

can i sell my house during a forbearance period?

Heeey! I have a feeling that this year, you’re going to make a big payment from your HYSA house account.

I agree with you 💯%

Great video

Great video! And those brussels sprouts looked good!

True

i’m from new york i love the food at red rooster ❤

Hi, don't forget to secure ur home. In Georgia, people will literally steal your home,- by putting a second mortgage on ur property without ur knowledge. You need to place a lien on ur property, so a another loan can't be done.

Awesome we need to celebrate when the time comes

Greetings, I paid off two credit cards. My score went down, 728 to 718. I have no debt, I was shocked

Good strategy about credit score I do the same thing. For most people including myself your credit score is very important. I have seen so many people denied a financial opportunity because of their credit score. I know a friend who is a car salesman and he tells me the rates people get because of their poor credit for basic cars like a Chevy prism 24 percent for a 5 year loan. Hell at that rate you would have paid more in interest than the cost of the actual car. But see this is what happens when you have poor credit. It becomes a no win situation for the consumer. Just image paying more interest on a car than the actual purchase. This happens to people ever day. Being financially educated is the only way to get around this. I refuse to make other people rich

As you approach a certain level of wealth your credit score becomes less important. Lenders will be fine if you back your loan with your assets. You'll also get more favorable rates because the risk is even lower for the lender. Its also why you can negotiate more when you take out a mortgage with a high downpayment, and less with a small downpayment (ex. PMI). Your mortgage is backed by the equity in your home. That equity carries a higher weight than your credit score. You don't see them dropping PMI because of a high credit score. Think of it from the lenders perspective. Lower the risk for the lender and you get more favorable options.😊

When I paid off my house my credit score tanked you better have more long term loans to protect that score when you pay off your house

Congratulations on your hard work! Just starting my mortgage payoff journey (07/01/2024) and my first goal is to get under $300K.

Hello Tinesha thanks for sharing.This is definitely a sellers market.💜

Congratulations! The progress is phenomenal. Keep it up, Sis! This is a huge accomplishment.

Congratulations and Thanks insight and encouragement. Kindly advice which HYSA you are using. Thank you

I love how all conversations lead back to mindset. It's all about how you think about things and what you believe to be true.

@FunandBudget. Hi. I know your busy but I sent you an email. That I think will benefit once you read it. Love your vlogs. Keep vlogging.

Thank you so much. I grew up watching my grandma play this and we forgot how to play. Thank you for the video

I purposely keep my home value at the bargain basement number so when the market has swings it doesn't matter for my net worth number as much. Besides that number will only really matter if I plan to sale. 😊

move to Texas you can get 3 properties bigger than your current home for that amount

Agreed. I still do 20%, have always done 20% because it was easier to calc in my head! #Accountant

If I go to papa Murphys not tipping for someone making pizza

If I go to papa Murphys I'm not tipping you for making a pizza

I need to get a new mortgage so i can do a new mortgage payoff lol.... I love the "mortgage freedom" account. :)

Great job Tinesha. I love to see this 💪🏾💪🏾💪🏾#KeepGoing

You are so inspiring !

so still in the States, i thought you'd be an expat by now

That mortgage rate is so low. I don’t have a mortgage (paid mine off in 2015) but If it was that low, idk if I would pay it off fast lol 😂and I hate debt.

I like your earrings

Congratulations!!! I remember last year when you applied the money from the sale of the rental how defeated you felt because the numbers didn’t look like how you wanted and you wanted to slow down your progress. We’ll look at where you are now! This is amazing and so exciting to watch! You’re almost there mama! 🥂

😂 Year-to-date. 2024 January - present. You earned 514.34 between April, May, and June. At least 150 each month. The 1st 3 months of the year aren't included in that tally.

Year to date means the calendar year of 2024.

Congratulations to you!!! I really like how you have implemented a strategy that works best for your situation instead of following someone else’s blanket advice. You are doing the thing, sis!!! Btw, your braids are FIRE! 🔥

Congrats and thank you for your service!

Great job! In December 2023 I decided to pay off my balance of $212k mortgage balance off in 4 years. Now my mortgage balance is $159k! Look at God! I’m on track to having it paid off in 3 years 2027 and becoming totally debt free. I really appreciate your videos!

Yayyyy!!!! Congrats 🎉🎉🎉... you are doing an amazing 👏🏾 job so inspiring to watch

Thanks for the video!

🎉 Congratulations 🎉 This is definitely motivating. I'm currently using Marcus to save for my student loans. I'm also close to paying it off, it feels unreal. 😊

Congratulations i can see you being done before next summer nice birthday present