Episode 047: Paying off the Mortgage by Age 35 with Andy Hill

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My Guest on the Show…

Andy Hill is making noise inside the personal finance world. He is the founder of the Marriage, Kids, and Money (MKM) Podcast and the MKM Blog. Recently, I was a guest on Andy’s show when he mentioned to me about paying off all of his debt, including the mortgage, by age 35.

Yes, completely debt free by age 35…holy crap!

I wanted him to come on the show to share how he and his family are making the sacrifices now to pay off everything so they can soon live completely free from debt. Also, Andy does not make a million dollars, he isn’t a trust fund baby, and he has a Monday – Friday job. From the outside looking in, Andy and his wife appear completely normal.

However, they are far from it. How many 35-year-olds do we meet who have paid off their mortgage?

Lastly, if Andy and his wife can turn their dream into a reality, then what is stopping you and I? Andy and I talk about that inside the show…

Now, I have a few questions for you all…

What are some of your questions you would like answered on the show? Simply leave a comment at the bottom and let me know or you can contact me here and ask anonymously.

Are you enjoying the podcast? If you do, would you be willing to leave a review for the show here? The more reviews the podcast receives, the more people will learn about it!

The Money Peach Podcast is brought to you by my #1 online program for showing you how to budget, how much to save, how to manage your debt payoff, when to save for retirement, what to teach your kids about money, and how to build a legacy to last beyond your lifetime.

If you find yourself continuing to live paycheck-to-paycheck and wondering where all the money went at the end of the month, it’s time to finally make a positive change. Welcome to the class they forgot to teach you about money – Awesome Money Course.

Mentioned in this Episode

Marriage, Kids, & Money

Seth Godin

Awesome Money Course

Show Notes

A little about Andy [02:17]

Entrepreneurship – getting started [07:08]

$50,000 in debt [09:07]

Marriage and money [11:33]

Good debt vs bad debt? [12:56]

Paying off the mortgage at 35 [16:47]

30-year vs 15-year vs 10-year mortgage [22:55]

The Marriage, Kids, & Money Podcast [27:51]

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Chris Peach Author 150x150

Chris Petrie

Chris (Peach) Petrie is a personal finance expert, money coach, speaker and podcaster.

In 2011, Chris and his family were exhausted from living paycheck-to-paycheck and facing a mountain of debt. They started going against the society standards of misbehaving with money and made the decision to take back control of their lives and money. Within seven months they paid off $52,000, started saving like crazy and began building real wealth.

The word spread fast and Chris started showing friends how to create a budget over dinner. Soon after he started showing their friends how to do the same and eventually Chris started teaching personal finance classes around the community. As the need for the classes grew, Chris launched Money Peach in 2015.

Money Peach was created to help everyday people remove the stress and fear of money by showing them how to save more, make more, and keep more of their money.

Chris Peach has been featured in places like Business Insider, The Huffington Post, Elite Daily, and CheddarTV.

When Chris isn’t at “work” he can be found at the Crossfit gym or riding on the fire truck — Chris is also a full-time firefighter in Phoenix, Arizona.


  • I had a blast chatting with you Chris. Keep up the great work! You’re helping people take control of their finances and live a happier life.

  • Paid off Mortgage, semi-retired (still do a little consulting) with no debt. I refused to quit working until I got the mortgage paid off from cash flow with out touching investments. I am not sure about taking invested money out of the market to pay down debt. That is very situational. I have a HELOC as part of my financial strategy that will run out in another 7 or 8 years before it has to be renewed. At that point I probably won’t care much about it.

    If you are looking at retirement on the near horizon, I would tell you to get debt free. It makes retirement more manageable and it sure feels good. Of course if you have a crap load of money, its all pretty irrelevant.

    I would also recommend that you have 3 years of whatever your cash requirements in retirement are so you don’t have to pull money during market corrections. To the best of my knowledge, the market has never not come back stronger than it left us and I believe 3 years is about the right window.

    Lot’s of strategies, lots of different situations. Stay involved and studied in managing your money and get good advice on an on-going basis. Oh, and if you are planning on retiring at 65 and you make it in good health, plan for a 20-25 year retirement. Mortality is already out to 82 for a 65 year old man and moving rapidly toward 90.

    • Yes! There are lots of different strategies to consider. It’s about what works best for you.


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