See what our clients are saying.
"Math doesn’t lie. The RYM strategy has changed our lives for the better in many ways. I now think about money in a totally different way than I did before."
~ Richard Kincade
"We are now very laser-focused on paying down the first-position HELOC within 3 to 5 years"
~ Brad Cousino
"After only 2 months, we have reduced our principal balance by $10,000... and now we have a goal and the focus to see that it's all paid off in 5 years or less."
~ Tommy Shannon
"We are on track to pay off our home in six years. Plus, we love having the ability to access our money."
~ Pamela & Ray Powell
Hear RYM Strategy Success Stories
Curious about the experience of others who have taken this path? Check out just a few of our clients who have implemented the RYM strategy!
What Our Members Are Saying About the HELOC Mortgage Payoff Strategy
Fletcher Gonzalez
After one month we reduced our Heloc balance from $218,000 to $211,000. Overall, RYM gives me financial freedom to pay debt off fast and manage my money in a way that benefits ME, not the banks. Also, managing our finances has become easy and hassle-free.
Sean Murphy
We are currently on track to have our home paid off in the next 2-3 years and, from there, pay off our investment property in 2-3 years as well. From there, we will continue to invest more in real estate. I've since then gone further and reduced 401(k) contributions because of the lack of liquidity for future investments. This has fundamentally changed how I view my cash flow and net worth.
Kerry Margolies
We're 2.5 years into the process and our balance has been reduced $165,000. Our home will be paid off much quicker than we anticipated which gives us peace of mind moving into our retirement years.
Brian Spatz
I wish I found this sooner. I plan on being semi-retired by the time I reach 42 years old, which is only 5 years away. I will also be using this strategy to begin purchasing investment properties very soon, so I can generate enough passive income to replace my current salary.
Ricardy Banks
After speaking with our consultant and watching one of Mike's videos, we felt comfortable moving forward with the strategy. We feel like we have a clearly established financial foundation that we can build on, with a fighting chance to meet our goals.
Jimmy Ray
We bought the home for $250,000 and, after only one year, our principal balance due is already down to $210,000. Skepticism made it difficult to join RYM at first but, after doing the math, I knew this was the right option for us. Quite frankly, the strategy has made banking easier. Everything goes in and out of our Heloc making it very to keep track.
Brett Caskin
We are on pace to pay our house off in less than 10 years. I kept remembering Michael talk about the fact that it's just math and that's it. My numbers don't lie. So I guess that's what helped me understand the math. Math is what made sense and math.
Jesse Pena
After 12 months, we have paid off $36,000 of principal balance. I'm now very diligent in how I spend my money.
Ishmial Mingo
It has allowed me to see how my money can work for me versus it working for the banks. I didn't really understand the strategy, but after watching the videos on RYM and talking to Mike, I felt more confident and comfortable.
Debbie Simmons
In 8 months, we have reduced our principal balance by $56,700! It has given me hope, freedom, and also provides financial peace of mind. I am free from the ball and chain of the mortgage (death agreement), and I have peace of mind that I can access the cash I put in the HELOC in the event of an emergency.
Christopher Gamlandt
We had enough equity within six months of closing on our primary home that we were we able to put a down payment on the investment property. The 40M strategy brings additional income from an investment property we would have otherwise not been able to acquire. I'm looking forward to repeating the process over and over.
Emma Powell
We have had a Heloc since the end of May 2018 for $486,000. Today, 4 months in, we owe $461,000, which is about equivalent to 17 months of payments on a 30-year amortized mortgage. We feel like we're finally able to be serious investors, being out of the mortgage and 401(k) rat race.
Amin Pells
After one month, we have reduced the Heloc by $60,000, and see it going down more each time we get a paycheck. Knowledge really is power, and this HELOC lets us have so much more freedom and control about how we pay for regular bills, while still creating safety and help for getting our house paid off much more quickly.
Louis Lupo
I joined RYM in November 2017 and am paying my home down well using the strategies suggested. I am down to $233,000 and should be done with my mortgage in 4 years or less. Joining was easy. I hated the idea of paying so much interest over the course of the loan. I see the light at the end of the tunnel now.
Jason Young
I'm only in about 4 months, but RYM has changed the way I look at my finances. The HELOC strategy has allowed my family to pay down our debt on the house with an assurance that the money is still available if it is needed.
Robert Vidal
I received a Heloc loan for $420,000, replaced the mortgage and paid down the loan to $320,000. RYM has allowed me to make some investments in the form of loans that will help me retire with house and mortgage more quickly.
