Keegan

help kind of lead the way so as for uh being kind of the first gen you know dave ramsey you know changing the tree and the family tree so she really did that and um so she was following us yeah she's always look up after 17 years of marriage and went okay we're gonna pay off this house Yeah. Yeah. A lot of it was that.

help kind of lead the way so as for uh being kind of the first gen you know dave ramsey you know changing the tree and the family tree so she really did that and um so she was following us yeah she's always look up after 17 years of marriage and went okay we're gonna pay off this house Yeah. Yeah. A lot of it was that.

But then just, you know, we did make the mistake of when we moved in our home 10 years ago, doing a 30 year fixed. So when COVID hit, we refinanced and to 15 and that just really made a difference.

But then just, you know, we did make the mistake of when we moved in our home 10 years ago, doing a 30 year fixed. So when COVID hit, we refinanced and to 15 and that just really made a difference.

But then just, you know, we did make the mistake of when we moved in our home 10 years ago, doing a 30 year fixed. So when COVID hit, we refinanced and to 15 and that just really made a difference.

we did it with a local credit union and by doing that really showed like on my accounts I could see the difference in traction of like hey we can get this fade off well so much more is going to principal on that 15 year instead of interest yeah it just made a big difference there and then also where it was a local credit union just whenever I got on my accounts I would see a negative so it just made me feel like we need to get in the positive you know yeah but

we did it with a local credit union and by doing that really showed like on my accounts I could see the difference in traction of like hey we can get this fade off well so much more is going to principal on that 15 year instead of interest yeah it just made a big difference there and then also where it was a local credit union just whenever I got on my accounts I would see a negative so it just made me feel like we need to get in the positive you know yeah but

we did it with a local credit union and by doing that really showed like on my accounts I could see the difference in traction of like hey we can get this fade off well so much more is going to principal on that 15 year instead of interest yeah it just made a big difference there and then also where it was a local credit union just whenever I got on my accounts I would see a negative so it just made me feel like we need to get in the positive you know yeah but

our son's here uh he's 17 our oldest is in college so um just wanted to get it done before they started started college yeah well now you got all your cash freed up and you can pay for college yeah excellent well done 529 we have that all set up and taken care of yep very good very good what was the hardest part of this whole thing

our son's here uh he's 17 our oldest is in college so um just wanted to get it done before they started started college yeah well now you got all your cash freed up and you can pay for college yeah excellent well done 529 we have that all set up and taken care of yep very good very good what was the hardest part of this whole thing

our son's here uh he's 17 our oldest is in college so um just wanted to get it done before they started started college yeah well now you got all your cash freed up and you can pay for college yeah excellent well done 529 we have that all set up and taken care of yep very good very good what was the hardest part of this whole thing

um just all the work all the hours this past year was a lot of work um no shopping yeah no shopping that's right we're getting the house paid off yeah i wouldn't call it no shopping we still we were pretty uh we were pretty not enough shopping for her how's that not enough for her so Yeah, but she checked out your all's little shopping over here and got some shirts and souvenirs.

um just all the work all the hours this past year was a lot of work um no shopping yeah no shopping that's right we're getting the house paid off yeah i wouldn't call it no shopping we still we were pretty uh we were pretty not enough shopping for her how's that not enough for her so Yeah, but she checked out your all's little shopping over here and got some shirts and souvenirs.

um just all the work all the hours this past year was a lot of work um no shopping yeah no shopping that's right we're getting the house paid off yeah i wouldn't call it no shopping we still we were pretty uh we were pretty not enough shopping for her how's that not enough for her so Yeah, but she checked out your all's little shopping over here and got some shirts and souvenirs.

That's awesome. We stayed in Franklin last night, so it was nice looking around.

That's awesome. We stayed in Franklin last night, so it was nice looking around.

That's awesome. We stayed in Franklin last night, so it was nice looking around.

yeah yeah it's crazy just it's kind of surreal just um i never saw it yeah never thought yeah just yeah yeah it's just different doing the budget and stuff now just not having the mortgage and throwing extra on it you know for years we just felt like we didn't have money even though we we did we just wanted to

yeah yeah it's crazy just it's kind of surreal just um i never saw it yeah never thought yeah just yeah yeah it's just different doing the budget and stuff now just not having the mortgage and throwing extra on it you know for years we just felt like we didn't have money even though we we did we just wanted to

yeah yeah it's crazy just it's kind of surreal just um i never saw it yeah never thought yeah just yeah yeah it's just different doing the budget and stuff now just not having the mortgage and throwing extra on it you know for years we just felt like we didn't have money even though we we did we just wanted to