In this episode, I break down the real question behind paying off your house early—and why the answer isn’t as straightforward as it seems. I walk through how interest rates, amortization, and long-term loan structures influence the true cost of a mortgage.

I also highlight why extra payments only matter if they’re applied directly to the principal, and how doing so can reduce total interest paid over the life of the loan. Beyond the numbers, I touch on the emotional relief homeowners feel when eliminating monthly payments and gaining more flexibility in their budget.

(00:00) – Mortgage payoff debate begins

(00:49) – Interest rate impacts strategy

(02:22) – Extra payments explained clearly

(03:50) – Opportunity cost of payoff

(05:31) – Long-term fixed debt benefits

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

• Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

• Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

• Join our investor list: https://www.frommilitarytomillionaire.com/investors

• Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

• Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

• Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

• Facebook Group: https://www.facebook.com/groups/militarymillionaire

• YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

• Instagram: https://www.instagram.com/frommilitarytomillionaire/

• LinkedIn: https://www.linkedin.com/in/david-pere/

• X (Twitter): https://x.com/militaryrei

• TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I dive into a special Veterans Day announcement about my new partnership with Veterans Disability Consulting, led by my good friend Victor Huerta. We talk about how this collaboration will help veterans navigate the VA disability claim process more efficiently and ethically.

I share my own journey with filing a claim, the mistakes I made early on, and how Vic helped me—and many others—get the support we deserved. I unpack why doing things the right way matters, how to protect the integrity of the system, and why financial education is a vital part of veteran empowerment.

(00:00) - Intro

(01:00) - Announcing Veterans Disability Consulting

(03:24) - Ethical VA claims process

(06:17) - Maximize benefits the right way

(09:38) - Veterans Day closing thoughts

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

• Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

• Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

• Join our investor list: https://www.frommilitarytomillionaire.com/investors

• Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

• Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

• Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

• Facebook Group: https://www.facebook.com/groups/militarymillionaire

• YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

• Instagram: https://www.instagram.com/frommilitarytomillionaire/

• LinkedIn: https://www.linkedin.com/in/david-pere/

• X (Twitter): https://x.com/militaryrei

• TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I dive into the practical ways service members and veterans can prepare for — and thrive through — a government shutdown. I share my own experiences as an enlisted Marine and financial specialist to help others avoid financial stress during uncertain times.

From leveraging credit responsibly to building an emergency fund, I break down what it really takes to stay afloat when paychecks pause. I also address common pushback from my viral Instagram post and clarify why taking responsibility for your finances is empowering, not shameful. This conversation is about ownership, preparation, and financial freedom, even when things get tough.

(00:00) - Intro

(01:22) - Building credit smartly

(03:08) - Avoid payday loans

(04:06) - Emergency fund basics

(05:59) - Budgeting for resilience

(06:38) - Why TSP loans matter

(07:23) - Power of house hacking

(09:00) - Use base resources wisely

(10:55) - Stop playing the victim

(12:59) - Financial mindset shift

(20:25) - Take ownership + move forward

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

• Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

• Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

• Join our investor list: https://www.frommilitarytomillionaire.com/investors

• Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

• Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

• Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

• Facebook Group: https://www.facebook.com/groups/militarymillionaire

• YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

• Instagram: https://www.instagram.com/frommilitarytomillionaire/

• LinkedIn: https://www.linkedin.com/in/david-pere/

• X (Twitter): https://x.com/militaryrei

• TikTok: https://www.tiktok.com/@militarymillionaire