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-How to shift from consumer to investor using tools banks don’t want you to understand -Why traditional college may be outdated for aspiring entrepreneurs -The origin story behind Replace Your Mortgage and Replace Your University Stay tuned for part 2!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/