A Social Worker Says They Paid Off Their Mortgage In Only 1.5 Years, But Is This Something Others Could Replicate Or Are They Just An Outlier

A 28-year-old social worker from South Jersey says they paid off a $225,000 mortgage in just a year and a half. The home, purchased in July 2024 for $475,000, came with a 30-year mortgage at a 7.125% interest rate. “I am MORTGAGE-FREE!!!” they wrote on Reddit’s r/Mortgages recently, celebrating the payoff just three days after sending the final check. How It Happened The social worker explained that while their current income is about $80,000 a year, the real financial engine came from a years-long side ...