November 20, 2025
Donald Trump is proposing 50-Year Mortgages.
What problem does he hope to address here? Or, perhaps we should instead ask…
Do 50-Year mortgages liberate or enslave?
What if you could find freedom in an unfree world?
What if you could pay off your mortgage…
A. A year or two early?
B. Three, five, eight years early?
C. 15 years early
In this episode of Gracearchy with Jim Babka, I lay out strategies – A, B, and C – to do precisely that.
Two of these strategies actually work even faster with high interest rates. The result of all of them is that you save a ton of money in interest payments.
Imagine. What if you owned your home, outright, and you no longer had to send a single dollar to the bank?
Seriously, which path is really more liberating?
- You have no monthly payment, and using those funds instead to achieve other goals?
- You are 50 years a bank serf?
OR…
With Jim Babka
Perhaps, this show will seem “off-brand.” It is different from our normal fare.
However, there is abundant evidence that 20-somethings believe their parents and perhaps even more so their grandparents “had it better.” Trump, who has been bankrupt a few times, likely believes he’s tapping into this fear and heroically offering exciting relief.
But if government policies caused the problem (and they did!) who is telling people the real way out of those problems?
…instead of making things worse?
On top of that, is voting the solution to everything? Can you, as my mentor Harry Browne suggested, choose to be free in an unfree world?
50-Year Mortgage vs. 11-Year Mortgage
This episode is not really financial advice. I’m no expert. And, as you’ll witness in this show, I’m no mathematician. But…
I personally used ALL THREE of the strategies, and I was on pace to pay off my home in 11 years, 8 months. But then, something really cool happened, and I did it even faster.
THIS IS MY STORY, MY EXPERIENCE.
Moreover, I have three late-twenty-something kids. What do I want them to know and understand? What should the twenty-somethings in your life know and understand about the bank’s rigged, interest-first scheme?
Government causes a lot of problems. Debt is not liberating. And sometimes, we can make ourselves more free without a single political act.
You can listen while you work or drive on these podcasting platforms: Spotify * Pandora * iHeart * Apple, and several other platforms.
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ZAP The State and have a nice day,
Jim Babka
Host, Gracearchy with Jim Babka
Co-creator, Zero Aggression Project
P.S. The math used in this episode is more directionally accurate than precise. There are two things to say about that. One, I’m not a financial advisor and this is not formal financial advice. I’m sharing my experience. Two, your math will vary depending on your specific situation, and your AI may arrive at different results! You should consult qualified experts and do your own analysis.
Jim Babka is the co-creator of the Zero Aggression Project. However, the views expressed in the show do not necessarily reflect those of the board, staff, or supporters of the Zero Aggression Project (Downsize DC Foundation). Sometimes, we use ChatGPT or AI to help with blogging elements.