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The Prosperity Podcast

505 EpisodesProduced by Kim D. H. Butler and Spencer ShawWebsite

Take control of your money. Join Kim D. H. Butler, best-selling financial author, and Spencer Shaw, as they use their prosperity mindset to utilize wealth-building tactics. Learn about the 7 Principles of Prosperity and how to make your money work as hard as you do.The Prosperity Podcast is the pers… read more


Case Study - Part 5: Couple Earning $45k Each a Year – Episode 173


Best selling author Kim Butler and co-host No B.S. Money Guy Todd Strobel talk about Part 5 of the case study featuring a couple earning $45,000 each a year. This episode Kim and Todd talk about the couple going through the homebuying process.

Tune in to find out how to take control of your finances today. Do you have a question you would like answered on the show? Please send it to us at and we may answer it in an upcoming episode.


Links in this Episode:

Kim’s book - Busting the Interest Rate Lies

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Show Notes:

00:00 Introduction

00:29 Today’s topic: Case Study - Part 5: Couple Earning $45k Each a Year

02:03 Using the cash value life insurance to avoid the private mortgage insurance

03:07 15 year vs 30 year mortgage

05:32 How do you think and feel if you don’t have any savings?

06:07 Where you would want to put your extra money

07:10 Understanding the time value of money

07:54 You can’t eat equity, Why prepaying your mortgage isn’t always the best option.

08:25 Sometimes it’s better to take a 15 year with higher payments

10:10 Why you want to have control over the equity

11:03 The correct way to measure the 15 year vs 30 year mortgage

12:49 Video explanation of Busting the Interest Rate Lies by emailing

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