Borrow Smart Repay Smart

Reduce your cost of home ownership by $1,000,000 or more.

A house is a place to live. It is also the most common form of wealth in America - and your mortgage may be your greatest liability. Trying to manage your assets without learning to manage your liabilities is like heating your house with the windows wide open. What it costs to live inside is a function of how well you understand interest.

Part I looks at the house the way you look at an investment, through 7 lenses: wealth, location, safety, liquidity, return, EPR™, - the effective percentage rate after taxes, time and opportunity - taxes, leverage and diversification.

Part II is the 7-Step Borrow Smart Solution: Product, Payment, Availability, Amount, Management, Protection, Discipline - a decision path for any borrowing, whether you are buying now, refinancing now, or years into an existing mortgage.

Inside:

• House vs. home, and why separating them changes how you manage both
• Why "location, location, location" is also about where your equity sits
• The Product Risk Pyramid: every mortgage product placed by its payment risk
• How the debtor and the creditor use the same house differently to build wealth
• Worksheets for rating products, payments and your own discipline
• Borrow Smart here, then Repay Smart with the additional books Paying Off Debt Faster and The 82 Strategy Repayment Playbook. The interactive edition, with calculators that use your own numbers, is at debtdonedate.com - also at lendsightai.com