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Amazing Insider Secrets To How I Went From Living Paycheck To Paycheck With No Wiggle Room In My Budget, To Now On My Way To Retiring Debt Free In 10 Years, All Without Spending More Or Changing My Lifestyle
Now, with the release of this incredible information, you can easily retire early or pay for your kids college education, and live debt free in stunningly short time.
Best of all you can try it out free if you like.
Dear Homeowner,
My name is Neil Venketramen.
I would like to share with you my amazing story of how I uncovered the exact steps to pay off my mortgage without paying extra, and now I am on track to retire in 10 years and save $67,000, while protecting myself from the biggest threat to my retirement dreams.
Eight years ago, my financial situation was ugly and looked like this:
I had no wiggle room in my budget,
I lived paycheck to paycheck, and
I felt like there was nothing I could do to change my circumstances.
Despite my situation, I was driven to find a way to retire within 10 years. My burning desire was to be financially independent and completely wipe out my burdensome mortgage payment.
One winter day, I finally cracked and just about had enough with my situation and decided to take action to change my life.
From that day onwards, I spent almost three years trying, testing, and working on different financial techniques before finally discovering a simple method that transformed my financial situation.
And now I am still on track to retire in 10 years.
Best of all, I know I will be able to retire free of my burdensome mortgage debt.
My Secret Confession…
First, I’m going to tell you about my financial situation, even though it was something I was embarrassed of and ashamed to discuss.
Every month, I was living paycheck to paycheck despite working for Deloitte & Touche, the largest CPA firm in Chicago.
That’s right. I was a financial consultant with one of the world’s largest CPA firm, where I spent thirteen years of my life dedicated to helping others.
I even spent over 6 years in college taking advanced degrees in finance and that makes my situation more embarrassing to talk about.
With my knowledge and experience, you would think I should have found a solution to retiring earlier.
But with work and all the other responsibilities in my life, I felt like I never had enough time to do this.
And what I found was that every month I often took a small bite out of my savings.
But 3 years ago, I decided I had enough.
I resolved to retire debt-free in 10 years and decided to put my 13 years of financial expertise to work for me.
Despite These Minor Setbacks, I Was A Man On A Mission To Retire
Early. I Knew There Was A Way To Retire In 10 Years But Could
Not Place My Finger On It Yet.
I became a little obsessive on my quest. You would think I was trying to break the world record for trying to figure out how to sit on a beach living debt free.
My quest began by reading a mountain of books, and even shamelessly calling on financial advisors who worked with high net worth clients here in Chicago. I believed they had the key to the magical fountain of retirement and they would share this knowledge with me.
But they all preached the same steps. I had to save extra money to pay off my mortgage in order to retire early.
I even read in a book, one of the all time bestsellers, The Richest Man In Babylon, that I had to pay myself first, by saving 10% of my income before I paid any bills.
I tried saving, despite having very little wiggle room in my paycheck.
What happened next was incredibly frustrating.
I ended up spending every dime of my savings on a variety of “emergencies” that kept popping up.
These included emergencies like high real estate taxes, higher food, gas bills, medical bills for my parents, and there was a never ending list of unforeseeable emergencies that always seemed to appear one after another.
I paid myself and saved 10% of my income for 5 months before I quit using this method. I could not keep this up every month.
Don’t get me wrong…
This method definitely works but I found it challenging to make this work for me.
The Silent Killer
I knew that if I had to still make a mortgage payment during my retirement, it would destroy my 401(k) and all other retirement savings that I worked so hard to accumulate.
Imagine for a second, spending at least 35% of your retirement savings towards your mortgage or even extending your retirement so that you can pay off all your debt first.
So, I naturally did what most homeowners would do in my situation.
I forced myself to enroll in the bi-weekly payment program at work, even though I had no room in my paycheck.
You know that method that allows you to make two payments to your mortgage each month rather than one monthly payment at the end of the month.
I Was Being Ripped Off…
Six months into the bi weekly payment process, I discovered that the bi-weekly payment made no difference to my situation.
In fact the bank kept the extra payments, and was investing this money. When I spoke to my banker, he told me that the bank would only allocate my extra payment at the end of the year. I was not getting any immediate benefit from this method.
I was paying for a program, which I had to make one extra payment and was being charged by the bank for using this system.
Frustrated with the no immediate results, I pulled the plug on this technique.
I knew that if I had kept going on that same path, I had no chance of paying off my mortgage, and in fact no chance of retiring until I was seventy-one years old, on the day my mortgage would be fully paid off.
And then it happened…
How I Cracked The Code On Paying Off My Mortgage And
Achieving My Dream Of Early Retirement
Three years after starting down this road, while still stuck in a financial twilight zone, I happened to have a chance conversation with my brother living in Australia.
He described a fascinating loan payment program, which he used in Australia to pay off his mortgage 8 years early without paying one extra cent.
The method he described is called ‘Mortgage Accelerator Loan’ and involves using special accounts to pay off a mortgage faster, without changing your lifestyle.
With this type of loan, your principal balance on your mortgage balance is decrease faster and you end up saving a great deal of interest.
But there was one problem. Those loan programs were only available in Australia and were not here in the U.S.
How I Put The Pieces Of The Puzzle Together
My breakthrough came at the right moment, and I realized that my solution had actually been right under my nose the entire time.
I realized there had to be away to pay off my mortgage faster, without refinancing or making additional payments, since I had no wiggle room my budget.
And I did not want to refinance my mortgage because of the high interest rates and costs of refinancing.
I Stumbled On An Idea:
It is so simple and obvious that I must warn you it may sound too simple for you to believe.
After hearing about the accelerator loans, I stumbled on an idea of using the Home Equity Line of Credit (HELOC), here in the US, as an “accelerator loan.”
I simply merged my checking account with my HELOC and…
I began testing each step of the process, from depositing my paycheck into the HELOC, to paying my bills automatically.
Accidentally - as it turns out, by paying my bills from my HELOC on one specific day of the month, I immediately slashed two and a half years off my first mortgage within the first month.
The reason this works so well, …
Your paycheck is applied to your mortgage first before you spend it, and when need the money, it is yours.
You then use the HELOC as a means to pay off your bills, and your mortgage each month. The best part, your HELOC automatically creates the savings for you, which you can then apply to your mortgage.
Any money not spent paying your bills would not earn much interest if it were in a savings account or checking account, but using this method, it significantly reduces the overall life of your mortgage.
So, you have the choice of paying extra or just using the savings created by the HELOC to rapidly decrease your mortgage.
And once you automate this method, you end up paying off your mortgage early and saving tens of thousands of dollars.
And, I Uncovered A Double Benefit...
While testing this system I discovered that I could use this exact method to take control of my credit cards, and never have to worry about raking up more debt or paying excessive interest charges.
But I needed to know if this would work for others.
Why I Created The Ultimate Mortgage Payoff Program
I had the fortune of talking to other homeowners who also had a strong desire to retire early, and to parents who had kids in college but did not have extra money each month to save for their kids college tuition.
It became obvious that most of the families I spoke to were burdened with their mortgage debt, and desperately wanted to pay it off.
But there was one frustration…
They all had very little wiggle room in their budget to pay off their debt, send their kids to school, or to enjoy the benefits of early retirement...
…and there were no effective techniques to help them realize their dreams.
And worst of all, they had been given poor advice by of their financial advisors.
For example, have you ever been told?
You should never pay off your mortgage if you plan to move in 5 years, or
You are always better off investing than paying off your debt
After learning more about their situations, I quickly realized that key information were being withheld from them, and maybe from you as well.
I even discovered that some families were handed down the worst financial advice of all.
They were told that they could potentially lose their tax deductions if they paid off their mortgage faster.
And after consulting with tax advisors on this matter, you still get most of your tax deductions if you decided to pay off your home faster.
And the best part of all, you get to keep your entire mortgage payment for yourself once you pay off your home early.
And That Is How It Was Created Here In Chicago.
I devised a three-step system that anyone can use to pay off their mortgage 7 to 10 years early without spending a single dime from their pocket…
…And in certain cases, it is not uncommon for my clients to pay off their mortgages 15 years, or even 17 years faster.
Others Did It Too
I showed this method to a couple both of whom were teachers, who were 11 years away from spending their retirement days, travelling all over the country visiting their grandchildren.
But they did not make a lot of money and were considering postponing their retirement dreams simply to make their mortgage payment.
After I explained my method to them, they immediately implemented it and are now on track to paying off their mortgage and retiring in 11 years. They can now pack their bags and travel without a single care in the world.
Soon afterwards, I helped a single working mother with no extra room for savings in her paycheck; build a reserve of $56,363 to send her kids to college.
I still remember how nervous she was on the first day we met. But just minutes after setting up her accounts, she automated her bill paying and merged her checking account with her HELOC, … well the the rest was history.
Now You Can Get Access To These Secrets
If you like to retire in the next ten years but are living paycheck to paycheck…
…Or if you have not yet saved for your kid’s college education and have no wiggle room in your monthly budget…
…Or if you would just like to get out of debt without spending another dime…
Then I would like to introduce you to this simple but powerful system I have created.
The 3-Step Mortgage Pay Off Method
Inside this program I am going to show you step by step, in the same way I would if I were sitting next to you, “how to pay off your mortgage ten years early” and…
…how to save yourself over $67,000 in interest, so that ...
… you can use the money to retire early, send your kids to college, or completely eliminate debt once and for all.
This system goes far beyond the basic financial advice that is forced on you every day because it takes into account your specific situation, eliminates obstacles that prevent you from paying off your mortgage, and puts the entire program on autopilot so that you will quickly and effortlessly be on your way to your achieving your dreams.
You Do Not Have To Take Three Years To Figure This Out As I Did.
The real secret is how you set up the mortgage payoff system.
You will get access to this information right after you register, and it is crucial that you watch the quick start video immediately after registering.
We will send you tips each day for the first week to keep you on track, to giving you shortcuts for setting up the system and saving even more money.
Altogether, the quick introduction, the fast start video, and the quick start guide are the set-up pieces of the program that will put you on the fast track to success.
Here’s What You Are Going To Experience:
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