Mortgage Paid Off In Just 4 Years | Sharon & Steve | CHANGING LIVES | Season 4 Ep 28

About this episode

Sharon and Steve share their journey of paying off their mortgage in four years through disciplined financial practices.

Sharon & Steve, a long married couple from rural Queensland, spent years earning good money but lacked financial structure - Living pay-to-pay with debt including a mortgage, car loan, and credit card. After joining a financial program in late 2021, they transformed their approach by adopting budgeting, reducing unnecessary spending, and making more intentionalfinancial decisions. Within roughly four years, they fully paid off their home loan, eliminated other debts, and built a portfolio of four investment properties, all while still enjoying life experiences like overseas travel. A major shift came from controlling day-to-day spending (especially on impulse purchases and groceries), working as a team, and sticking to a system that gave them clarity and confidence. Looking ahead, their goal is to achieve financial independence by age 59 with around $250,000in annual passive income, giving them the choice to stop working and focus on travel and lifestyle. They’ve learned that discipline, clear goals, and consistent action matter more than income alone, and they emphasise the importance of starting, trusting the process, and avoiding emotional or impulsive financial decisions…

People in this episode

Host: Graeme Holm

Guests: Sharon, Steve, Sharon & Steve

Topics covered

• financial independence
• debt elimination
• budgeting
• investment properties
• financial discipline

Keywords

• mortgage
• financial program
• budgeting
• investment properties
• financial independence

Mentioned in this episode

Places: Queensland

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