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38,582 Views • Apr 2, 2024 • Click to toggle off description
Broadcast on 02/04/2024
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Views : 38,582
Genre: Entertainment
Date of upload: Apr 2, 2024 ^^
Rating : 4.937 (7/437 LTDR)
RYD date created : 2024-04-18T21:33:11.387227Z
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YouTube Comments - 110 Comments
Top Comments of this video!! :3
Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult
43 |
Thank you for having us on the show :)
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My husband's and I paid our mortgage off within three years! U have to live within your means n don't buy a ridiculously expensive house. We cdve got one that was much more and been approved but we didn't!
28 |
As if Alison and Dermot have mortgages!
18 |
Great to see this lovely couple sharing their experience and knowledge on national TV. ❤ their channel here on YouTube.
7 |
Wild to see Humble Penny on day time TV now, I remember when they had 2k subs on YT 😂
8 |
Just managed to pay off my student loan and was elated, can't wait to pay off the mortgage.
8 |
Our mortgage was paid off in Feb we are 46&48 but our house was cheap and mortgage payment really low
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As any CPA will tell you…never let your outgoings be more than your incomings….you can be asset rich but cash poor….you have to want to work to earn money..
3 |
Good story, love this sort of information! It would be good to actually know how they enabled themselves to overpay on their mortgage. Ken mentioned you must have a plan, it would have been good to see a bit more of the plan (appriciate its in the book) not just 'dont buy designer handbags' for example.
8 |
Great info.. thx!
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It seems that everyone in this country wants to pay off there mortgage, but loose out on all the memories you can make going away with your children when they’re young. You only live once make the most of it. Too many of my friends simply get a job, work hard to pay off their mortgage, then retire.
3 |
Excellent
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Its still better long term to first focus on wealth building by utilizing the tax breaks you get and employer contributions on a personal persion, then an ISA then over pay the mortgage this is our plan right now.
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Totally the wrong advice given in this video - these people don't even realise the fundamental mistake they made. There were likely better options available to them. In the UK there are significant tax advantages to overpaying into a pension (which if invested correctly should grow at a similar rate to the mortgage if not better) and then maybe using the 25% lump sum at early retirement to clear the mortgage. So provided the mortgage is affordable and you don't need to build equity for an upgrade then don't overpay it but let inflation erode it's value and make higher pension contributions. I could have been mortgage free in my 30s but would have been poorer for it. Consider the mortgage as some leverage to enhance the long term return on your capital.
13 |
Well done to finish paying your mortgage early.
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I’n Australia you can pay mortgage off weekly, have an off set account, against Morgage live off credit card pay card off before monthly bill with money in off set account I asked about this here in Uk 30 years ago and they said yes can pay mortgage off weekly but we make repayment s monthly, Big Banks have had it sewn up here
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It's incredible how much money you can save by paying off your mortgage early. I've been considering ways to accelerate our mortgage payments to save on interest in the long run.
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So what is going to happen to the lazy equity in the property? As the saying goes, you cant eat equity. Smart money would have a balance thats controllable and using equity as a 2nd charge to buy more cashflowing assets.
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@wordmusicpicture6575
1 month ago
Well done Ken and Mary! Super proud of you guys! 🎉🎉😊🙌🏾
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