The key to financial freedom is to be debt free.

For most people, a home is the biggest investment they’ll ever make, and with it comes the biggest debt they’ll ever face: a mortgage.

The sooner you can destroy that debt, the sooner you will become financially free. How can you do it faster? Let’s count the ways.

First, you can refinance. 15-year mortgages will not only destroy that debt faster, they also typically offer lower interest rates. But refinancing can be a hassle, and expensive. Plus, the payments on a 15-year loan are higher.

So let’s

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