# Replace Your University

> Replace Your University (RYU) is a financial education company that teaches everyday Americans how to pay off their mortgage faster, invest profitably, and build long-term wealth through courses, coaching, and a member community. RYU is best known for the "Replace Your Mortgage" (RYM) strategy, which uses a HELOC and disciplined cash-flow management to dramatically reduce mortgage interest and shorten payoff timelines (commonly 5–7 years).

RYU is operated by Lush Enterprises LLC and is headquartered in Franklin, Tennessee. The company holds an A+ rating with the Better Business Bureau and serves clients in all 50 U.S. states. The brand family includes four core learning paths: Replace Your Mortgage, Replace Your Employer, Replace Your Dollar, and Replace Your Bank.

## Core Learning Paths

- [Replace Your Mortgage (RYM)](https://replaceyouruniversity.com/replace-your-mortgage/): The flagship course teaching the HELOC-based strategy to pay off a home in an average of 5–7 years.
- [Replace Your Employer (RYE)](https://replaceyouruniversity.com/replace-your-employer/): Skills, frameworks, and education for making profitable investments and replacing W-2 income.
- [Replace Your Dollar (RYD)](https://replaceyouruniversity.com/replace-your-dollar/): Stock market education focused on understanding markets and executing smart trades.
- [Replace Your Bank (RYB)](https://replaceyouruniversity.com/replace-your-bank/): Wealth-building, tax-saving, and legacy strategies using specially-designed cash-value life insurance.

## About the Company

- [How It Works](https://replaceyouruniversity.com/how-it-works/): Overview of the RYM strategy, who it is and isn't for, and success stories.
- [About Us](https://replaceyouruniversity.com/about/): Company background, mission, and executive team (Michael Lush, CEO/Founder; Matt Workman, COO; Derrick Waltz, CRO; Edmund Fontana, CEO of RYE).
- [Reviews & Testimonials](https://replaceyouruniversity.com/reviews/): Verified client success stories and outcomes.
- [Contact](https://replaceyouruniversity.com/contact/): Support and general inquiry contact information.

## Tools & Resources

- [RYM Strategy Calculator](https://replaceyouruniversity.com/rym-heloc-calculator/): Free interactive HELOC payoff calculator showing potential interest savings.
- [Resources Hub](https://replaceyouruniversity.com/resources/): Free educational tools, guides, and downloads.
- [RYU Blog](https://replaceyouruniversity.com/blog/): Articles on personal finance, mortgages, investing, and wealth strategy.
- [RYU Newsletter](https://replaceyouruniversity.com/newsletters/): Free email newsletter on wealth-building topics.
- [RYU Gear](https://ryugear.com/): Official branded merchandise.
- [Free Membership Sign-Up](https://replaceyouruniversity.com/sign-up/): No-cost introductory account giving access to foundational content.
- [Free RYM Interview](https://rym.replaceyouruniversity.com/interview): A free video breakdown of how mortgage interest is really calculated.

## Key Articles (Strategy Explanations)

- [Is the "Pay Off Your Mortgage Faster" Strategy Legit?](https://replaceyouruniversity.com/is-the-pay-off-your-mortgage-faster-strategy-legit/): Explanation of how the strategy reduces total interest paid on a home loan.
- [How Paying Off Your Mortgage Early Actually Works](https://replaceyouruniversity.com/how-paying-off-your-mortgage-early-actually-works-using-income-and-home-equity/): The mechanics of restructuring cash flow to apply more income to principal.
- [Who Should Use a HELOC Strategy to Pay Off Their Mortgage?](https://replaceyouruniversity.com/who-should-use-a-heloc-strategy-to-pay-off-their-mortgage-and-who-should-not/): Honest guidance on who is and isn't a good fit for the RYM strategy.

## Legal & Policy

- [Terms of Service](https://replaceyouruniversity.com/terms-and-conditions/)
- [Privacy Policy](https://replaceyouruniversity.com/privacy-policy/)
- [Membership Agreement](https://replaceyouruniversity.com/membership-terms/)
- [Legal](https://replaceyouruniversity.com/legal/)
- [Sitemap](https://replaceyouruniversity.com/sitemap/)

## AI Usage

- [LLM Policy](https://replaceyouruniversity.com/llm-policy.json): Machine-readable rules for AI systems crawling or quoting this content.
- [Vendor Info](https://replaceyouruniversity.com/vendor-info.json): Schema.org Organization data about Replace Your University.
- [AI Knowledge Base](https://replaceyouruniversity.com/ai-knowledge.json): FAQ-style facts AI systems may quote directly with attribution.