The Myplace Playbook // 049

Hey Everyone,

I know that sounds like one of those late-night infomercials or a spam email promising you millions from a Nigerian prince.

But I'm dead serious.

If you've got debt, credit cards, car loans, lines of credit, that furniture financing from three years ago, and you've got equity in your home, you could have all of it completely gone in 30-45 days.

Not "paid down a bit." Not "more manageable."

Gone. Zero balance. Eliminated.

Let me show you how.

This is What $30K in Debt Actually Looks Like

Let's say you're carrying:

Total: $30,000

You're making payments every month. You're not missing anything. You're "managing."

But here's what's actually happening:

You're paying $400-450 every month just in interest. Not paying down the debt, just interest. Money evaporating into thin air.

You've got payment due dates scattered throughout the month. The 5th, the 12th, the 23rd. You're playing calendar Tetris hoping everything clears.

Your phone buzzes with payment reminders. Your email fills with statements. Your stress levels spike every time you check your bank balance.

And despite making every payment, the balances barely move.

That's not a payment plan. That's a treadmill.

Here's What Next Month Could Look Like Instead

Imagine it's late February. You wake up, check your phone, and realize something feels... better!

No credit card payment due.
No line of credit reminder.
No car loan statement.

Because they're all paid off. Completely. Zero balance.

You've got one mortgage payment. One due date. One simple payment that covers everything.

And here's the kicker, your mortgage payment went up by maybe $200/month, but you were paying $800/month across all those debts before.

You just freed up $600/month in cash flow.

That's $7,200 per year back in your pocket.

And instead of paying 15-20% interest, you're paying 4.5%.

How This Actually Happens

Here's the timeline from "I'm drowning in debt" to "debt-free":

Week 1:
You text me. We talk for 10 minutes. I pull your mortgage info, look at your equity, and tell you exactly how much we can work with.

If you've been in your home for a few years and it's gone up in value (which it probably has), you've got equity. That equity is about to save your financial life.

We get you pre-approved. This takes a day, maybe two.

Week 2-3:
Paperwork time. Yes, there's some. But I handle most of it. You sign a few things. We get an appraisal done on your house.

You go about your life. I deal with the lenders, the lawyers, the back-and-forth.

Week 4:
Approval comes through. We've got a closing date. This is happening.

Week 5:
Closing day. You sign the final documents. The refinance goes through.

And here's the magic moment: we pay off every single one of those debts directly from the refinance.

The credit cards? Paid in full.
The line of credit? Zero balance.
The car loan? Done.

You walk out with zero high-interest debt. Just your mortgage.

30-45 days from "I need help" to "I'm debt-free."

"But Andrew, Won't My Mortgage Payment Go Up?"
Yes. But not by as much as you think.

If you're rolling $30,000 into your mortgage at 4.5% over 25 years, your payment goes up by about $165/month.

But you were paying $800/month across all those other debts.

You just freed up $635/month.
That's not a small number. That's life-changing money.

"Do I Need Perfect Credit for This?"
Nope.

If you've got equity in your home and you can afford the new mortgage payment, we can make this work.

Your credit might not be perfect, that's probably part of why you've got the debt in the first place. But refinancing based on home equity is way more forgiving than applying for another loan or credit card.

"Is This Going to Be Complicated?"
It's paperwork. That's it.

You're not learning mortgage law or negotiating with banks. That's my job.

You're just saying "yes, let's do this" and signing some documents.

The hardest part is making the decision to actually do it instead of staying stuck.

The Transformation Isn't Just Financial
Here's what people tell me after we refinance to eliminate their debt:

"I can actually sleep now."
"I don't dread checking my bank account anymore."
"I took my family out for dinner and didn't stress about the bill."
"I started saving for the first time in years."
"I feel like I can breathe again."

This isn't just about interest rates and monthly payments.

It's about getting your life back.

Imagine Six Weeks From Now
It's early March. You're having coffee on a Saturday morning.

You check your phone, not because you're nervous about what bills are due, but just because.

No credit card balance.
No loan statements.
No payment juggling.

You've got $600 more in your account than you're used to having.

Your emergency fund is starting to actually grow for the first time in forever.

You're thinking about that vacation you've been putting off. Or the RRSP contribution you couldn't afford before. Or just having a buffer so life isn't so tight all the time.

That isn’t crazy, it’s not a dream, it’s what 30 days of action looks like.
Do you want to still be carrying this debt a year from now?

Still juggling payments, still watching interest pile up, still feeling like you're running in place?

Or do you want to be debt-free by March?

Because one of those requires doing nothing. And the other requires one text message.

Let's Find Out If You Qualify
Text me right now. Seriously, right now.

Tell me:

I'll tell you within a few hours if we can make this happen.

If you qualify, we move fast. If you don't quite have enough equity yet, I'll tell you exactly when you will.

But either way, you'll know. And knowing is way better than wondering.

30 days from now, you could be completely debt-free.

The only question is are you going to do something about it, or are you going to keep hoping it gets better on its own?

-Andrew