Replace Your University

What Replace Your University does

Replace Your University (legal entity Lush Enterprises LLC) is a privately held financial education platform founded in 2014 by Michael Lush and headquartered in Franklin, Tennessee. The company's flagship methodology, the Replace Your Mortgage (RYM) strategy, trains homeowners to use a first-lien Home Equity Line of Credit (HELOC) as a primary cash flow tool, claiming average mortgage payoff timelines of 5-7 years versus the traditional 30-year amortization. Core technology consists of a WordPress-based education platform with an interactive RYM Strategy Calculator (HELOC payoff calculator), a member dashboard providing course access, and supplementary tools including a free eBook lead magnet and monthly newsletter archive. The product portfolio has expanded into four branded verticals: Replace Your Mortgage, Replace Your Employer (real estate investing, led by Edmund Fontana), Replace Your Dollar (stock market, led by Ross Givens), and Replace Your Bank (Infinite Banking/wealth strategies).

The company operates a multi-channel go-to-market combining free membership, a $79/month premium subscription, paid course programs, and a partner referral program paying $1,000 per referred client (launched September 2025). Distribution relies on content marketing (blog, monthly newsletter, YouTube/RYU TV), community engagement (private Facebook and Discord groups, weekly Q&A sessions), virtual events (open houses, workshops), earned media (MSN Top 7 Experts 2026, AP News, podcast appearances), and a recently launched partner/affiliate channel. Replace Your University is bootstrapped and founder-owned with 11-50 employees, has served over 10,000 clients across 10+ US states, holds BBB A+ accreditation, and operates the Funds of Freedom charitable foundation as a social impact initiative.

Name

Replace Your University

Legal name

Lush Enterprises LLC

Website

https://replaceyouruniversity.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Replace Your University is a Franklin, TN-based financial education platform founded in 2014 that trains homeowners to use a HELOC-based strategy to pay off mortgages in 5-7 years, serving individual consumers across mortgage acceleration, real estate investing, stock market, and wealth strategy verticals.

Ownership category

akta.pro rank

Product category

Financial Education

NAICS

Educational Services (611), Educational Support Services (6117)

SIC

Investment Advice (6282)

akta.pro primary industry

Home Equity–Based Debt Consolidation (HEL/HELOC for consolidation) (FSAKAIAE)

akta.pro secondary industry

Financial Literacy, Debt Counseling & Default Prevention (EDALAJAK)

Keywords

• Financial education courses
• Mortgage acceleration strategies
• Real estate investing courses
• Stock market education
• Infinite banking training

Headquarters

HQ city

Franklin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Monthly Subscription - $79: Monthly subscription providing enhanced dashboard features including Onboarding Call, Coaching Call, and Bank Options booking access, exclusive subscriber dashboard with recorded coaching sessions and training materials, and opportunities for bonuses such as trip giveaways and contests. Referral commissions are enhanced for subscribers.
2. Free Membership: Free membership tier offering access to free educational courses, free calculators and tools, and ability to schedule video meetings with advisors for strategy implementation guidance.
3. Premium Educational Programs: Paid educational programs including Replace Your Mortgage mandatory course, Replace Your Employer (Real Estate Investing), Replace Your Dollar (Stock Market Investing), Replace Your Bank (Infinite Banking), and Replace Your Mindset. Refund eligibility requires course completion and meeting attendance.
4. Partner Referral Program: Partners earn $1,000 for each new client referral who purchases courses through their direct link. Enhanced commissions available for subscribed clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Replace Your University is a financial education platform that teaches homeowners to pay off their mortgages in an average of 5-7 years by using a first-lien HELOC as a primary cash flow tool rather than carrying a traditional amortized mortgage. The flagship Replace Your Mortgage course is paired with three sister verticals — Replace Your Employer (real estate investing), Replace Your Dollar (stock market trading), and Replace Your Bank (Infinite Banking using whole life insurance) — plus a free membership tier, an interactive HELOC strategy calculator, monthly coaching/Q&A, and a $79/month premium subscription.

Product overview

Replace Your University is a financial education platform offering multiple course modules centered around mortgage acceleration, real estate investing, stock market trading, and wealth strategies. The core product is Replace Your Mortgage, which teaches a HELOC-based strategy to pay off homes in 5-7 years. This core is flanked by three related course modules: Replace Your Employer (real estate investing), Replace Your Dollar (stock market trading), and Replace Your Bank (Infinite Banking/wealth strategies). The platform also provides supporting tools including the RYM Strategy Calculator, a free eBook, monthly newsletter content, and a merchandise store. A $79/month subscription adds enhanced dashboard features, exclusive coaching resources, and referral bonus enhancements. The company also operates an affiliate Partner Program.

Differentiator

Problem solved

Functional benefit

Brands

• Funds of Freedom: A faith-rooted nonprofit foundation focused on supporting victims of human trafficking, military veterans, and families in crisis, including paying off mortgages for struggling families.

Products and services

• Replace Your Mortgage Flagship financial education course teaching homeowners to use a first-lien Home Equity Line of Credit (HELOC) as their primary cash flow tool to pay off their mortgage in 5-7 years on their current income, reducing total interest paid. Targeted at U.S. homeowners with a traditional amortized mortgage.
• Replace Your Employer Real estate investing course for beginners that provides tools, mentorship, and community to help aspiring investors identify profitable investments, flips, and holds while avoiding common pitfalls through education from successful real estate investors.
• Replace Your Dollar Stock market investing course taught by former Wall Street trader Ross Givens, teaching everyday investors trading strategies learned on Wall Street through a full suite of courses.
• Replace Your Bank Infinite Banking Concept course teaching wealth strategies using properly structured whole life insurance to create personal banking systems, build guaranteed growth, and leave a financial legacy.
• RYM Strategy Calculator Interactive HELOC mortgage payoff calculator that estimates a user's debt-free date using the Replace Your Mortgage strategy, requiring inputs such as mortgage balance, rate, remaining term, property taxes, insurance, net monthly income, and monthly expenses.
• RYU Newsletter Monthly newsletter archive providing financial education tips, company updates, book recommendations, podcast highlights, and community event information for RYU members.
• RYU Gear Branded merchandise store offering RYU-themed products for members and supporters.
• Free eBook: Replace Your Mortgage Free downloadable eBook titled 'How to Pay Off Your Home in 5-7 Years on Your Current Income' by Michael Lush, serving as an entry-point educational resource covering HELOC mortgage strategies.
• Premium Monthly Subscription Monthly subscription at $79 providing enhanced dashboard features including Onboarding Call, Coaching Call, and Bank Options booking links; exclusive subscriber dashboard with recorded coaching sessions and training materials; and access to subscriber bonuses such as trip giveaways and contests, plus enhanced referral commissions.
• RYU Partner Program Referral program where partners earn $1,000 for each referred client who purchases a course, with access to marketing assets, exclusive training, and partner community support, managed by Larry Beacham, Director of Partner Development.

Quantifiable outcome

• Average mortgage payoff timeline reduced from 30 years to 5-7 years
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Funds of Freedom FoundationcoreOthers · 15 September 2025Faith-rooted nonprofit focused on supporting victims of human trafficking, military veterans, and families in crisis. Includes mortgage payoff assistance for struggling families. Founded by Michael Lush as part of company's social impact mission. RYU donated $45,000 to local charity foundations in 2025 through this initiative.
• Real Estate to FreedomcoreStrategic or Co-development PartnerPartnership to present Commercial Real Estate Simplified workshop, a two-day immersive program in San Antonio, TX. Replace Your Employer (RYE) has partnered with Real Estate to Freedom to deliver comprehensive commercial real estate education.
• Jim KindredminorStrategic or Co-development PartnerFeatured contributor for Replace Your Bank content. Authored chapter 'Financing: The Ultimate Wealth Building Strategy' in the RYM e-book. Co-host of Replace Your Bank Open House events.
• Kristi OsmondminorStrategic or Co-development PartnerCo-host of Replace Your Bank Open House virtual events alongside Jim Kindred and Michael Lush.
• Edmund FontanacoreStrategic or Co-development PartnerCEO of Replace Your Employer (RYE). Co-authored chapters 'Take Action' and 'Leveraging The Equity to Build Wealth' in RYM e-book. Key executive leading real estate investing education vertical.
• Ross GivenscoreStrategic or Co-development PartnerLead educator for Replace Your Dollar (RYD) stock market investing program. Veteran trader with former Wall Street experience at JP Morgan Chase. Independent trading educator teaching strategies learned on Wall Street.
• Various Lenders and BanksminorChannel Partner/ Reseller/ DistributorRecommended banking partners who offer suitable LOC/HELOC options. RYU recommends banks to clients based on individual qualification factors, but clients evaluate and choose independently.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Ramsey Solutions: Dave Ramsey's personal finance education empire offering courses (Financial Peace University), books, and coaching on debt elimination and wealth building. Direct peer in financial education targeting debt-burdened consumers, with overlapping messaging on becoming debt-free.
• BiggerPockets: Largest online community and education platform for real estate investing, with paid memberships, podcasts, and books. Highly comparable to RYU's Replace Your Employer vertical and shares the freemium-to-paid subscription model.
• I Will Teach You To Be Rich: Ramit Sethi's personal finance education platform offering premium courses, books, and coaching on money management and wealth building. Comparable premium course/coaching model targeting ambitious professionals.
• The Rich Dad Company: Personal finance and real estate education brand built around Robert Kiyosaki's books and courses, with premium products and a community component. Comparable founder-led brand and multi-vertical curriculum spanning real estate, investing, and wealth strategy.
• Investopedia Academy: Paid online courses in investing, trading, and personal finance from the Investopedia brand. Comparable course-based financial education product and target audience of self-directed learners.
• ChooseFI: Financial independence podcast and education community covering debt payoff, investing, and lifestyle design. Comparable horizontal financial-independence education audience and free-content-plus-paid-product model.
• The Motley Fool: Subscription-based stock-picking and investing education service with premium memberships, podcasts, and analyst-led content. Highly comparable to RYU's Replace Your Dollar vertical and shares premium subscription monetization.
• Money Guy Show: Financial advisor-led financial education brand offering courses, podcasts, and wealth management frameworks. Comparable advisor-driven financial education with free content plus premium product monetization.

Emerging players

• Real Estate Side Hustle (Brandon Turner): Former BiggerPockets personality's personal brand for real estate education. Comparable individual-expert-driven education model overlapping RYU's Replace Your Employer vertical.
• Unconventional Wealth: Financial education platform focused on alternative wealth strategies including real estate, business, and tax strategies. Comparable niche authority positioning in non-mainstream wealth education, though smaller audience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@ReplaceYourUniversity
• Facebookfacebook.com/ReplaceYourUniversity
• Xx.com/thereal_ryu
• LinkedInlinkedin.com/company/replace-your-university

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Replace Your University