Ed

And when I say it tells you what you need to do, I mean based on the inputs you put in, right?

So this spreadsheet's not a mortgage broker, right?

So it's not going to tell you, oh...

Sonny, this is exactly what you need to do.

It's more to give you an indication, but I know that you guys are smart enough to know like, yeah, that's just what we want, right?

We want something to tell us what we might need to do rather than going to a mortgage broker who just says, come back when you've got some more cash because

How unhelpful is that?

But you might be able to buy some more properties than you think.

You can also, I'll just say though, if you go to, like we've obviously got a mortgage advice team, right, at Opus Mortgages.

But if you go to one of our competitors and say, hey, can you help me use this Opus Mortgages spreadsheet?

No, do it.

They'll probably get a little brassed off.

No.

Do it.

You can also use this to motivate yourself to keep going.

Like if you can, not know, but get a sense that, oh, maybe in three years, if I keep paying down my mortgage at the rate I am, maybe I'm going to be able to get ahead.

You know, I find that quite motivating.

And the last thing that you want to say is just, you do need a way to crunch numbers, which is why we're going to give it to you.

But just before we do, even after recording 2,400 episodes of the Property Academy podcast, releasing 1,200...

videos on YouTube and writing 560 articles on our website, people still ask me, Ed, what the hell does Opus do?