I recently recorded 5 Renovating Retirement Podcast episodes on how home equity is not a wise investment. Home equity is defined as is the market value of a homeowner’s unencumbered interest in their real property. Money put inside of the home and the interest on top of the mortgage. Home equity and mortgages go hand […]


Episode 079: Where to Store Home Equity The last four episodes have proven that home equity fails every test of a wise investment and that no one can say that paying off your mortgage is a conservative strategy. So, if you are not going to pay off your mortgage, where should you be storing/building up […]


Episode 078: Home Equity Fails Tax Treatment Test In this final episode of the four episodes where I show that home equity fails all of the tests of a wise and good investment. Besides failing the Liquidity Test, the Safety Test, and the Rate of Return Test; home equity also hurts you on your taxes, causing you […]


Episode 077: Home Equity Fails Rate of Return Test What’s the rate of return you earn on your home equity? Did you say, “Oh, over the last 30 years homes appreciated about 5-7%” or something like that? You just made a mistake that’s costing you thousands of dollars per year and causing you to carry unnecessary […]


Episode 076: Home Equity Fails Safety Test In this episode, I’ll cover the second proof that paying off your mortgage is a dangerous and unwise financial decision based on outdated data. Home equity is not safe from depreciation, foreclosure, or natural disaster even if you carry insurance. All tests of a wise and conservative investment. Included […]


Episode 075: Home Equity Fails Liquidity Test In this episode, I’m going to begin to show you how home equity, paying off your mortgage, fails all four tests of a wise investment. It’s very popular and very comfortable to pay off your mortgage but compared to the alternative way of being debt-free it’s a terrible […]


Episode 020: Why I Went Bankrupt in 2011 and How it Will Probably Save Your Retirement I really don’t like talking about going bankrupt, but I care more about you than I do myself. This is by far my favorite episode yet. You will learn something that if this does not change how you invest […]