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The Shred Method Articles

Our goal is to make sure our clients (as well as perpetual information seekers) are well educated. You'll find The Shred Method™ Blog to be a mix of articles about financial literacy, infinite banking, investing, crypto, and a host of other topics related to our way of managing cash flow. If you're curious about thinking differently, you've come to the right place. We're contrarian in all the right ways.

How to Remove Escrow from Your Mortgage Payment and Manage It Yourself Aug 27, 2024

The escrow portion of your mortgage payment is the amount covering taxes and insurance that are paid through your mortgage company. Your mortgage company takes the total amount owed over the year...

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The Year Gone By and The Year Ahead… Jan 04, 2023

The Year Gone By and The Year Ahead…

There is one main reason we do what we do at The Shred Method™ – to create freedom and options for individuals and families. Sometimes, the...

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The Power of a Heloc May 30, 2022

Home Equity Lines of Credit have long been sold as just another spending tool. You’ll see ads for HELOCs used to buy 4-wheelers and boats, paying for a new roof or a wedding, sometimes even...

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Payoff Debt or Invest? YES! May 20, 2022

One question you’re likely asking yourself is “shouldn’t I invest instead of payoff debt

The answer is… it depends. 

Personal finance is personal for a reason. There...

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Is this like... replace your mortgage? May 09, 2022

This one is a hard no in similarity. The Replace Your Mortgage model is utilizing a HELOC in the 1st lien position. What this means to you is you’ll no longer have a 30 or 15 year fixed...

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Is this like... an Australian Mortgage? May 02, 2022

In Australia, a majority of homeowners will own their home outright far faster compared to Americans in similar income brackets. The main reason is Australian banks offer something called a Sweep...

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Is this like…? VELOCITY BANKING? Apr 25, 2022

 

Technically, Velocity Banking and The Shred Method™ are very similar. Both will use a HELOC as the primary banking tool that assists in creating mortgage acceleration. That’s...

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