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If you keep a 30-year mortgage or you refinance into another 30-year loan and you pay extra every month,

then you're still paying off the mortgage more quickly. But if you have a financial emergency,

let's say an interruption in income or big medical bills, well, then you can stop paying that

extra amount every month until your emergency ends. You have that flexibility.

This show is dedicated to helping you, strengthen your family tree, and live financially free.

Welcome to the Marriage Kids and Money podcast, everybody. This is Andy Hill, and today we're going to do two things. First,

we're going to be answering a question about paying extra on your mortgage. And the second question,

last but not at least, we're going to feature another net worth winner. This month, we have Mike

Kenny from Ontario, and he's going to share how he hit a seven-figure

net worth in his 30s. All right, let's jump into today's show. I received a question from

Yolanda via email at Andy at marriagekidsandmoney.com, and here it is. Last year, I started making additional mortgage

payments towards our principal. I'm not sure I'm doing it correctly. I'm making $400 additional

principal payments plus full additional mortgage payments when a month has three payment periods instead of two. When I pay extra mortgage payments when a month has three payment periods instead of two.

When I pay extra mortgage payments, which is $2,600 plus $2,600 for principal,

...