Several years ago I read the proverb that says:

“Prepare your outside work, Make it fit for yourself in the field;
And afterward build your house.”
– Proverbs 24:27

I understood that to mean: build your business to the point where it’s producing enough cash flow that owning a home won’t be a burden.

As much as my wife and I would love to own our own home we don’t want to sacrifice our freedom for the sake of “having a nice home” before we can afford it.

In fact, our dream is to own a home with no mortgage. And to be honest the thought of owning a home free and clear excites me as much as dreaming about the type of home we’ll have.

But one of the ongoing challenges with this dream is that it’s not “normal.”

It’s “normal” to be in debt and to have a big mortgage.

It’s weird to own your home without a mortgage.

And I think this, more than just about anything else, is one of the biggest obstacles to overcome.

If it were normal to pay cash for a home and you really wanted one then you would start to look for ways to pay cash for it. You’d get creative with income generating activities. But instead it’s normal to get a loan. So that becomes our default answer.

And I get it. I’m not saying mortgages are bad or you should never consider one. That’s not the point. What I’m saying is that we tend to live our lives in accordance with what we believe is normal.

So for me, I’m telling myself that no mortgage is normal and having a mortgage is weird. So if we ever end up with a mortgage I’ll know we’re being weird and I’ll do everything I can to get to the place of being normal ASAP.

So tonight I was really encouraged when I met a couple who own a home with no mortgage. My wife and I went to a Valentine’s dinner event at our church and I ended up sitting next to this guy I never met before.

We struck up a great conversation and I found out that they own a home with no mortgage. I told him that’s our dream too and I would love to hear how they did it. We’re going to have a coffee next week and I’m looking forward to hearing another “normal” person’s story about this.

I also plan to seek out other people who have done this so I can reinforce the idea this is normal.

Anyway, I hope this makes sense. And I look forward to keeping you updated on this part of my life.

My wife and I really want to own a home. We’ve been married for almost 8 years and have 3 kids now so we’re tired of renting and moving. We’re ready to settle down. We just want to do it in a way that allows us to protect our freedom.