Barry says, Use numbers to understand the system.
Identity theft of the mind, the quiet engineering of low expectations.
π₯ Pay Off vs Invest
What this lens reveals
This tool compares two paths: paying off your mortgage early or investing extra cash instead. It shows how timing, interest, and investment growth shape long-term outcomes β so you can see which path builds more value for you.
Quiet signal: Tradeoffs, not rules.
π Payment Tracker
What this lens reveals
This tool breaks your mortgage payment into interest and principal and shows how your loan progresses over time. It helps you see where your money is going right now β and why extra payments early can change everything.
Quiet signal: Awareness before acceleration.
βοΈ Payoff Tradeoff
What this lens reveals
This tool evaluates the tradeoff between using a lump sum to reduce debt or keeping that cash accessible. It highlights interest savings, opportunity cost, and flexibility β without declaring a winner.
Quiet signal: Liquidity vs certainty.
β Readiness Check
What this lens reveals
This tool helps you assess whether youβre ready to act β financially and system-wise. It looks at cash buffer, income stability, and clarity to help prevent premature or stressful decisions.
Quiet signal: Wisdom before execution.
Once you understand the system, the next step becomes clearer.
Fire My Mortgage helps families create clarity and control using math-based strategies and guided support.
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