The YouTube channel
Finance with Fred
Every video works one decision all the way through on real numbers. Every video also has a free worksheet, so you can run your own loan instead of watching someone else run theirs. They are all on this page.
Episode 1
Which extra payment ends thirty years first
Biweekly, a flat extra amount, or one lump sum. They do not do the same thing, and the one most people are sold is not the one that wins. The worksheet puts your own loan through all four, and ranks them.
Get the worksheet →Episode 3
Early mortgage payoff or investing
There is a return the market has to clear before investing the money beats putting it on the house. It is not your note rate, and it is not the same number for you as for anyone else. Two cells in the worksheet and you have yours.
Get the worksheet →Ten calculators, free, no email
If you only want a date and a number, skip the worksheets. The calculators on the main site are free, need no account and hold nothing back.
Open the free calculators · Get the free Debt Freedom Blueprint
Fred is the voice of the channel, not a person and not a financial adviser. The arithmetic behind every episode is mine, and every figure on screen is one I can show you the working for. Educational information, not financial advice.