Gracearchy with Jim Babka20 Marras 2025

EP145: How You Can Escape Trump’s 50-Year Mortgage Trap - Gracearchy with Jim Babka

Donald Trump proposes 50-year mortgages. Which sounds more liberating: Debt free or 50 years as a bank serf? Jim reveals three simple strategies that helped him pay off his own home ahead of his goal of 11 years. None of these methods requires petitioning a politician to fix anything. Instead, they let you reclaim control: No mortgage. No bank payment. More freedom. For twenty-somethings who fear they’ll never own a home, and for anyone feeling trapped by an interest-first system, this episode shows a path to more liberty, right now, in the real world. Disclaimer: The following does not constitute financial advice. The experience shared here is for your consideration as you determine the mortgage type, term, and payment plan that best align with your goals and judgment. MATH ALERT: The math used in this episode is more directionally accurate than precise. Your math will vary depending on your specific situation, and your AI may arrive at different results. :-) CHAPTERS 0:00 Disclaimer 0:14 Theme 0:26 Does Trump want 50 year mortgages? 1:49 Jim's financial situation 4:20 Renting from the bank for life 6:08 Private opportunities rigged away 9:48 The history of the 30 year mortgage 11:38 Terminology, starting with PITI2 14:12 G.O.O.D. 15:27 Spreadsheet and a plan 18:07 Extra principle payments 19:54 50-year vs 30-year comparison 27:47 Bi-weekly payment plan 33:32 How to cut the term in half 37:34 Upfront lump sum 43:11 What Jim did to pay off his home 46:42 Combining strategies 48:45 Three areas where state has hurt us 51:42 Freedom or Debt? CREDITS Bill Protzmann is your moderator. This episode is sponsored by Zero Aggression Project. https://zeroaggressionproject.org/ Thank you to Randy Garbin for our amazing episode thumbnails: http://randygarbin.com/ ChatGPT is sometimes used to help write the show description. We are grateful to Sergio at https://www.youtube.com/@KeysofMoonMusic for our intro theme. ► https://www.patreon.com/user?u=10500501 or you can purchase his music on BandCamp: ► https://keysofmoon.bandcamp.com/ ► If you have any questions please feel free to write to Sergio at: serjo.de.lua.music@gmail.com Be grace-full to each other.

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161 Dave Smith Wishes He Wasn't A Libertarian - Gracearchy with Jim Babka

The title was ironic: "Why can't the #libertarianparty get it right? #davesmith explains." As gracefully as possible, Jim Babka lays out the historical reasons why it's ironic. This is the Liam McCo...

8 Kesä 48min

Tom Massie: The Good News No One Else Has - Instant Grace with Jim Babka 51

This one is audio-only, taken from Jim Babka's appearance on The Gary Nolan Show, Thursday May 21. Jim had a secret he wouldn't share until he was on air. And Jim's review of Tom Massie's primary loss...

27 Touko 13min

160 Libertarian National Chairs Nekhaila and Darr - Gracearchy with Jim Babka

Did Libertarian Party national Chair Steven Nekhaila and Vice Chair Paul Darr call Jim Babka for a crucial LP history lesson? Did they take extraordinary action after that call? Who are these men, wha...

19 Touko 58min

Tom Massie May Surprise: I Called it! - Instant Grace with Jim Babka 50

You've heard of an October Surprise. Now, Tom Massie is the victim of a May Surprise - because his primary election is next Tuesday. And you heard Jim Babka predict that this smear campaign would happ...

15 Touko 10min

159 Hantavirus And The Lab Leak Indictment of David Morens - Gracearchy with Jim Babka

Is the David Morens indictment science vs. politics, or even political retaliation? This government scientist has been indicted for allegedly conspiring to suppress investigation into the Covid lab l...

13 Touko 41min

The Second Reason It's Wrong To Shoot The President - Instant Grace with Jim Babka 49

There are the obvious reasons it's wrong, and then... There is the overlooked reason. Besides that, it's contrary to a No Kings ethic, not to mention the Zero Aggression Principle and Human Respect. M...

29 Huhti 7min

158: 5 Hard Truths About Warmongering - Gracearchy with Jim Babka

You will be wiser after listening to this evergreen episode that's inspired by current events. In fact, we recorded these five lessons on March 10, 2026, just under six weeks into the Iran War, and we...

14 Huhti 52min

A Whole Civilization Will Die Tonight - Instant Grace with Jim Babka 48

A Gracearchy would remove the power for one man or a small handful of persons to collectively initiate a war. In the wake of two bizarre and potentially horrifying social media posts by the President,...

7 Huhti 8min