27 Housing Hacks That Could
Save You $100K+ Over Your Lifetime
Download the free 27 Housing Hacks Cheat Sheet
A printable PDF with every hack, the math behind it, and links to calculators.
The 9% Rule
Know exactly when buying beats renting
The Ghost Payment
Pay off your mortgage 8 years early
The 13th Payment
Save $91K+ with one simple trick
The Snowball Sprint
Destroy debt with quick wins
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What's Inside the Cheat Sheet
27 tactics organized into 5 categories—each with the exact math and a link to run your own numbers.
Part 1: Rent vs. Buy (Hacks 1-5)
The 9% Rule, 5-Year Horizon Test, True Cost Reveal, Rent-Invest Gap, and Break-Even Calculator. Know exactly when buying beats renting.
Part 2: Affordability (Hacks 6-9)
The 28/36 Sanity Check, Payment Payoff, Car Loan Countdown, and Income Boost Document. Get approved for more house.
Part 3: Mortgage Payoff (Hacks 10-17)
The 13th Payment, Round-Up Rule, Ghost Payment, Dollar-A-Month Climb, Recast Reset, and more. Cut years off your mortgage.
Part 4: Debt Destruction (Hacks 18-23)
Snowball Sprint, Avalanche Drop, Hybrid Hustle, Minimum+10 Rule, Balance Transfer Sprint, and Subscription Purge.
Part 5: Automation (Hacks 24-27)
The Invisible Transfer, Found Money Rule, Coffee Redirect, and Milestone Tracker. Set it and forget it.
Bonus: Hack #0 — The Zero Balance Rule
The foundation hack that makes half the others unnecessary. Master this first.
Sample Hacks From the Guide
Here's a taste of what you'll get—with real numbers.
The 13th Payment
Make biweekly half-payments instead of monthly payments. You'll make 26 half-payments per year = 13 full payments.
On a $320K loan at 6.5%: saves $91,000+ and 5.5 years.
The 9% Rule
Multiply home price by 9%, divide by 12. If you can rent for less than that number, renting builds more wealth.
$400K home × 9% ÷ 12 = $3,000/month break-even rent.
The Tax Refund Attack
Commit 100% of your tax refund to mortgage principal every year.
Average $3,000 refund applied yearly: saves $89,000+ and 8.2 years.
...and 24 more hacks in the free PDF.
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