In this episode of Freedom Formula, I sit down with Michael Lush, founder of Replace Your University and the man reshaping how we think about money. From humble beginnings to becoming a leading voice in financial education, Michael reveals how traditional mortgage advice keeps people stuck — and what the wealthy do differently.

What You’ll Learn:

-Why most Americans never truly own their homes

-The truth behind the 30-year mortgage trap

-How Michael paid off his house in 3.5 years — and stayed liquid

-How to shift from consumer to investor using tools banks don’t want you to understand

-Why traditional college may be outdated for aspiring entrepreneurs

-The origin story behind Replace Your Mortgage and Replace Your University

Stay tuned for part 2!

Find Michael:

https://www.youtube.com/@ReplaceYourUniversity

Steve’s Instagram:

https://www.instagram.com/stephenkopshaw/