I always thought that having a house was synonymous with having a mortgage. But when you really think about it, a mortgage is not much of a good deal. The author shows how most people who take out a mortgage end up paying nearly three times as much as the house they live in is worth. Even worse is the inevitable nature of debt as a work trap:

"An unholy percentage of American men and women are working largely for their houses, at jobs they would not choose were pay not the overriding consideration. I spent nearly five years at that game, surrounded by co-workers caught in the mortgage trap. My escape was made possible largely by our mortgage-free home." -Rob Roy, Mortgage-Free!

It's the author's own experiences in walking the talk that really makes this book and excellent investment. Yes, the ideas may seem outrageous, but Rob Roy makes it undeniable that they are, in fact, do-able. Not only does he describe his own 25-year success in building and owning mortgage-free homes, but he also provides a number of examples of others doing the same thing. On top of that, this book is rich with book recommendations, phone numbers, and other starting points. Basically, he covers every base so well that the only reason you'd have NOT to follow his advice is down-right laziness.

This book will best serve people who are independent, open-minded, and logical. But if you're a die-hard conformist that scoffs at anything unconvential, then this book is not for you. Even though the ideas and methods presented in Mortgage-Free! will be most useful to people living or willing to move to rural areas, anyone can benefit from the knowledge provided in this book. Even now, as I'm flipping through it, I'm continually amazed at how helpful and thorough this book really is. It touches on everything from eating well, to helping the environment, going to college, and so on. This is definitely a holistic, integrative piece of work.

Ultimately, this is a book I felt I had to buy because of its usefulness as a reference. If you read it more than once, you'll realize that Mortgage-Free! isn't really about owning a home. Even if you don't end up owning or building a house, this book will have served you well in that it'll have made you question something that you normally would've accepted, perhaps to your own disadvantage. Avoiding a mortgage is just one of the many aspects of a better way to live: On your own terms.

If you found this review helpful and you decide to buy Mortgage-Free!, please do so from Amazon through a link on this site. Your courtesy will help keep this site going, and would be greatly appreciated by me.