3083: Why We Paid Off Our Mortgage by Julien Saunders of Rich And Regular

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily LLC

Investing, Business, Education, Self-improvement

4.4 • 1.3K Ratings

🗓️ 23 March 2025

⏱️ 10 minutes

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Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3083: Julien Saunders shares how he and his wife strategically paid off their mortgage to unlock financial freedom, reduce stress, and gain control over their time. Their journey, driven by teamwork and discipline, reveals how owning a home outright can be a powerful step toward financial independence, especially for those underrepresented in that achievement. Read along with the original article(s) here: https://richandregular.com/why-we-paid-off-our-mortgage/ Quotes to ponder: "We didn’t just payoff a mortgage; we bought time." "The primary reason we decided to payoff the mortgage was to create a level of freedom and flexibility that no job could ever provide." "We swung it about 30+ times over a 2 1/2 year period putting every single dollar to work." Episode references: Afford Anything: https://affordanything.com Go Curry Cracker: https://www.gocurrycracker.com Millennial Revolution: https://www.millennial-revolution.com Dave Ramsey: https://www.ramseysolutions.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Hello Blue Skies. Hello moving onwards and upwards. Hello, taking control of your money. Say hello to tax-free investing. Open a Stocks and Shares ICER and act by the 5th of April to get 100 to 3,000 pounds cashback. Cargreaves lands down. Hello Life. Register and add or transfer £10,000 plus. You may go Lansdowne. Hello Life.
0:23.8	Register and add or transfer £10,000 plus.
0:25.4	You may get back less than you invest.
0:26.5	And tax benefits vary.
0:28.6	For terms and conditions, see hl.co.uk. UK, 4. slash ISA.
0:30.8	This episode is brought to you by Vanty.
0:33.6	Stressing over cyber security.
0:35.3	Whether you're a startup, growing fast, or already established.
0:38.6	Vanta can help you get ISO-27,001 certified and more.
0:43.6	Plus, it allows your company to centralize security workflows,
0:47.6	complete questionnaires up to five times faster,
0:50.2	and proactively manage vendor risk to help your team stay compliant.
0:54.3	Head to vanta.com slash Spotify to learn more.
0:59.1	This is Optimal Finance Daily,
1:01.8	why we paid off our mortgage by Julian Saunders of rich and regular.com.
1:08.2	Imagine right outside your window is a huge tree obstructing a beautiful horizon, and the only way for you to see that view is to cut the tree down.
1:17.6	You spend years saving up for an axe until one day you're ready to pick it up and start chopping.
1:24.6	Day and night, rain or shine, hot or cold, through good times
1:30.2	and bad. With every ounce of energy you have, you chop. On some days, the size of the tree
1:37.6	makes you want to give up and accept that you will never see the view you've dreamed of.
1:43.4	Settling becomes comforting. After all, most people
1:47.1	would be elated to see what you already have. But one day, after chopping and chopping and
	...

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