# Angela Yee Cuts her mortgage payment in half by house hacking...

An episode of [Earn Your Leisure](https://invisiblenetwork.ai/podcast/1450211392), 5 Jan 2026, 11 min.

Audio: https://podtrac.com/pts/redirect.mp3/traffic.omny.fm/d/clips/e73c998e-6e60-432f-8610-ae210140c5b1/8dbc4f54-a337-4481-9ef2-b355012b0a3d/8ad66103-6113-48f7-934f-b3c9012d3c6d/audio.mp3?utm_source=Podcast&in_playlist=eac4c628-29cb-469a-b5c8-b355012b0a48

Ready to learn how to cut your mortgage in half and build wealth through strategic investing? In this episode of EYL, Angela Yee shares her personal journey into real estate, revealing how living in a multi-family home slashed her monthly mortgage and became a smart financial move. She breaks down her goal-setting strategies, the importance of financial discipline, and clever ways to maximize credit card points for travel and luxury purchases. The conversation covers the power of house hacking, overcoming pride to make wise decisions, balancing an intense work schedule, and building successful businesses—from juice bars and coffee shops to a new hair store in Detroit. If you’re looking for practical tips on investing, entrepreneurship, and achieving financial independence, this episode is packed with gems. Don’t miss the discussion on setting long-term goals, franchising, and self-education for business growth. Subscribe for more insights on personal finance, real estate, and wealth-building! #HouseHacking #AngelaYee #RealEstateInvesting #EYL #Entrepreneurship #FinancialFreedom #CreditCardPoints #WealthBuilding #InvestSmart #BusinessGrowth #MortgageTips See omnystudio.com/listener for privacy information.

## Transcript

[0:00] Speaker 1: Earners.
[0:00] Speaker 2: What's up.
[0:01] Speaker 1: You ever walk into a small business and everything just
[0:03] Speaker 1: works like the checkout is fast, their seats are digital,
[0:07] Speaker 1: tipping is a breeze, and you're out the door before
[0:10] Speaker 1: the line even builds odds are they're using Square. We
[0:14] Speaker 1: love supporting businesses that run on Square because it just
[0:17] Speaker 1: feels seamless. Whether it's a local coffee shop, a vendor
[0:20] Speaker 1: at a pop up market, or even one of our
[0:23] Speaker 1: merch partners. Square makes it easy for them to take payments,
[0:26] Speaker 1: manage inventory, and run their business with confidence, all from
[0:30] Speaker 1: one simple system. One of the things we love most
[0:33] Speaker 1: is seeing neighborhood businesses level up. Business West Indian spired
[0:37] Speaker 1: writing our community that started with a small takeout counter.
[0:41] Speaker 1: Now with Square, they've been able to expand into a
[0:43] Speaker 1: full sit down restaurant and even started catering events across
[0:47] Speaker 1: the city. That's the kind of growth that aspires us,
[0:50] Speaker 1: and it's powered by Square. Square is built for all
[0:53] Speaker 1: types of businesses, from the corner bagel shop that turned
[0:56] Speaker 1: into a local chain, to the specialty market with that
[1:00] Speaker 1: thousands of unique items, to the stylists who's been holding
[1:03] Speaker 1: you down for years. If you're a business owner or
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[1:18] Speaker 1: on what matters most ready. To see how Square can
[1:21] Speaker 1: transform your business, visit Square dot com backslash go backslash
[1:26] Speaker 1: eyl to learn more that Square dot Com backslash, go
[1:30] Speaker 1: backslash eyl. Don't wait, don't hesitate. Let's Square handle the
[1:34] Speaker 1: back end so you can keep pushing your vision forward.
[1:38] Speaker 3: I think the best thing to do is to have
[1:40] Speaker 3: a goal, right, like buying a house. To me, I'm
[1:43] Speaker 3: living in this house and it's a two family house,
[1:45] Speaker 3: so that pays half my mortgage, you know, and my
[1:48] Speaker 3: mortgage is less than what my rent would be for
[1:50] Speaker 3: something this sides three bedrooms, you know, two and a
[1:54] Speaker 3: half bathrooms, a full backyard brownstone. And so I think
[1:58] Speaker 3: what you have to do is of what a smart
[2:00] Speaker 3: investment is to you. And if you're living here, you
[2:04] Speaker 3: would have been paying rent somewhere else, and so to me,
[2:08] Speaker 3: that's money you would have been spending anyway. And so
[2:10] Speaker 3: the two family house or a three family house, if
[2:12] Speaker 3: I would have had a three family house. It would
[2:14] Speaker 3: have probably paid the home mortgage. It was just coming
[2:16] Speaker 3: up with that down payment. And so that's why I'm
[2:19] Speaker 3: a big fan of having a goal of financially Every month,
[2:23] Speaker 3: I have a goal of how much I want in
[2:24] Speaker 3: my account for the next move I'm about to make,
[2:26] Speaker 3: so I go really hard to reach it. And I've
[2:28] Speaker 3: been doing really good at that, and so it helps me.
[2:31] Speaker 3: Not because I used to be such a spend I
[2:34] Speaker 3: used to love to shop, like I would be at
[2:36] Speaker 3: the mall literally every week, you know, what can I buy?
[2:38] Speaker 3: What can I get? But when you have goals like
[2:40] Speaker 3: that makes you realize how unimportant that can be, and
[2:43] Speaker 3: not that you can't treat yourself, but it'll be like, Okay,
[2:47] Speaker 3: I've hit this goal, I made this money. I have
[2:49] Speaker 3: an extra fifteen hundred dollars. What am I going to
[2:51] Speaker 3: do with it? You know, let me do something nice
[2:53] Speaker 3: for myself. But I really do things like I'm really
[2:56] Speaker 3: big on using points. I use my MX cars for
[2:59] Speaker 3: every thing, and like, even i have a new house
[3:02] Speaker 3: in Brooklyn that I'm renovating, I'm putting everything on my
[3:06] Speaker 3: MX card so I can get those points and then
[3:08] Speaker 3: I'll be buying furniture with the points that I got
[3:10] Speaker 3: from using my MX card. You know, when I travel,
[3:13] Speaker 3: I always fly on Delta because I have so many
[3:16] Speaker 3: free flights now that I can use, and I get
[3:18] Speaker 3: upgraded all the time because of my status on there.
[3:21] Speaker 3: So I just try to do things that I know
[3:23] Speaker 3: makes sense for me.
[3:25] Speaker 4: That's something that's extremely important. Shout out to him five
[3:27] Speaker 4: hundreds wise mental style. He has like and all this stuff,
[3:31] Speaker 4: but he was like, he's not buying all this design
[3:34] Speaker 4: and stuff. He spends one hundred thousand dollars a month
[3:35] Speaker 4: on Facebook ads and on his AX cards and he
[3:38] Speaker 4: gets like seven thousand dollars reward points back, So I
[3:41] Speaker 4: seven thousand dollars reward points. He just goes to Nemen
[3:44] Speaker 4: markets and just goes crazy.
[3:46] Speaker 3: I got my parents lily bag and my first Inel
[3:48] Speaker 3: bag with points on my MX card.
[3:52] Speaker 4: As though that's a gym Andy, so well it is that. Well,
[3:56] Speaker 4: we got to save that one in That's another that's
[4:00] Speaker 4: but Angela, that's something that's extremely important as far as
[4:03] Speaker 4: house hacking. I don't want people to breeze over that.
[4:05] Speaker 4: Because shout out to empty the mortgage guy. We talked
[4:08] Speaker 4: to him and he always talks about house hacking. House
[4:10] Speaker 4: hacking is like when you live like what she's doing.
[4:12] Speaker 4: She's a two family home. You live on one unit,
[4:16] Speaker 4: you you rent out the other unit, or three family
[4:17] Speaker 4: or four family whatever. So I think it says a
[4:20] Speaker 4: lot when somebody she's famous and she's humble enough to
[4:25] Speaker 4: living in a two family home renting out the other
[4:28] Speaker 4: part because she understands that it makes economic sense. A
[4:31] Speaker 4: lot of us, like some people are struggling day to
[4:34] Speaker 4: day and they got too much prizel like what I'm saying.
[4:38] Speaker 4: So it's like, I don't want that to get missed
[4:41] Speaker 4: in this conversation. Let let alone.
[4:42] Speaker 1: You couldn't walk in the property before she had it.
[4:46] Speaker 4: Yeah, I even see it. That's that's a lot to
[4:49] Speaker 4: think about. People think about it. Like I said, she's
[4:51] Speaker 4: not she has to do that, but she understands the
[4:53] Speaker 4: importance of it. And it's like why not.
[4:56] Speaker 1: Can can we talk about balance? Me with Shall we
[4:58] Speaker 1: go back and forth all the time about balance? He
[5:00] Speaker 1: likes to have life unbalanced, just how he operates. I
[5:03] Speaker 1: like to have balance. I'm listening to you. You're waking
[5:04] Speaker 1: up at four am. Most people can't do that. That's dedication, right,
[5:08] Speaker 1: your Hall of Fame radio career. Right, you have the
[5:10] Speaker 1: real estate portfolio, you got the juice bars. You just said,
[5:13] Speaker 1: you got the coffee shop. People forget that you actually
[5:15] Speaker 1: have a very successful podcast, right lip service. By the way,
[5:18] Speaker 1: we came to your live show.
[5:20] Speaker 4: We did come to thank you. Great show.
[5:26] Speaker 1: Davies was there, eighty five sour all brothers were there.
[5:29] Speaker 1: What does balance look like for you? Oh?
[5:33] Speaker 3: And the last thing I want to say is I
[5:34] Speaker 3: did open a store in Detroit, also a hair store,
[5:36] Speaker 3: a private label, and I can't forget that. I just
[5:38] Speaker 3: opened it in January.
[5:42] Speaker 2: And go support it.
[5:43] Speaker 3: Yeah, it's not thank you, It's not eighty mile and
[5:46] Speaker 3: the Quinn there, baby, come see us.
[5:48] Speaker 4: Heavy in Detroit.
[5:50] Speaker 1: Yeah, listen, how do you manage this all?
[5:54] Speaker 3: So balance for me is like leg I've been working
[5:57] Speaker 3: all day today. I know I have things that I
[5:58] Speaker 3: have to do. But what I try to do is
[6:00] Speaker 3: I always try to have one day out of the
[6:02] Speaker 3: week during the week that I don't have a lot
[6:04] Speaker 3: to do. So on that one day, I might have
[6:06] Speaker 3: like a couple of really light things and that's when
[6:08] Speaker 3: I handle stuff I need to handle for myself. And
[6:10] Speaker 3: then on the weekend, I try to make sure one
[6:12] Speaker 3: of those two days is not super busy for me,
[6:15] Speaker 3: also because it is important to take a break. Like
[6:17] Speaker 3: I try to make sure I get enough sleep. If
[6:19] Speaker 3: I know I've been up working, I make sure, like
[6:21] Speaker 3: I'm going to bed at nine o'clock on you know,
[6:23] Speaker 3: Thursday night, because I plan it, like I plan everything.
[6:26] Speaker 3: My schedule is just super rigid and organized, like down
[6:30] Speaker 3: to the minute, and so you know, that's it. And
[6:33] Speaker 3: then a lot of times I try to mix business
[6:34] Speaker 3: with pleasure as far as if I know I had
[6:37] Speaker 3: some things to do, and you know, before there was
[6:39] Speaker 3: a pandemic, but if I know I had somewhere to be,
[6:41] Speaker 3: I'll invite some of my friends to come with me,
[6:43] Speaker 3: cause I know they'll have a good time. For me,
[6:45] Speaker 3: it might be work, but for a lot of them
[6:47] Speaker 3: it's fun. And so that makes work fun for me
[6:49] Speaker 3: when I have people that are fun around me.
[6:54] Speaker 4: There you have it.
[6:57] Speaker 1: It sounds like off.
[6:58] Speaker 5: Runt, you're trying to achieve over the next five years,
[7:02] Speaker 5: and how can we help? You said, what what's the
[7:04] Speaker 5: biggest goal you're trying to achieve over the last five years,
[7:07] Speaker 5: and how can we help?
[7:09] Speaker 3: So my biggest goal is for these businesses that I started,
[7:12] Speaker 3: I want them to be right now. I'm in an
[7:14] Speaker 3: investment stage of everything, I feel like, you know, except
[7:17] Speaker 3: for the juice bar, which has been open for a
[7:19] Speaker 3: few years now, but like with the hair store, I
[7:22] Speaker 3: need that to you know, start making money. And I
[7:26] Speaker 3: mean it makes money now, but I need to get
[7:27] Speaker 3: the return on my investment for the coffee company. The
[7:30] Speaker 3: goal for the coffee company is for me to be
[7:32] Speaker 3: able to be in stores, and I have all these
[7:34] Speaker 3: meetings with different supermarket chains coming up for that and
[7:37] Speaker 3: for the Press Juice company, and so I want to
[7:40] Speaker 3: make sure that those businesses are you know, huge multi
[7:44] Speaker 3: million dollars, one hundred million dollar businesses, and that's the
[7:47] Speaker 3: goal for those. And then I'm going to franchise the
[7:50] Speaker 3: coffee shops, and so I'm building it out so that
[7:53] Speaker 3: it will be franchiseable so that other people can open
[7:56] Speaker 3: their own. And we're doing our whole education program when
[7:58] Speaker 3: it comes to coffee, because it's a lot in the
[8:00] Speaker 3: coffee business that people don't know about. And every business
[8:03] Speaker 3: that I do, I try to make sure that I'm
[8:06] Speaker 3: always educating myself on it and taking classes and like
[8:09] Speaker 3: learning everything so that I become somewhat of an expert
[8:12] Speaker 3: on it, because I think it's the worst thing if
[8:14] Speaker 3: you open the business and don't know anything about the
[8:16] Speaker 3: business that you open.
[8:19] Speaker 4: I said, Jim, that is a gym. Ladies and gentlemen.
[8:22] Speaker 4: Are we gonna take the question? Yeah? How we go
[8:27] Speaker 4: with time? And they gotta get up early? You got
[8:28] Speaker 4: a couple more minutes?
[8:29] Speaker 3: Yeah, I'm fine.
[8:31] Speaker 1: Can we try like an ask you segment?
[8:32] Speaker 4: Yeah, let's do it. Let's do it. I think he's
[8:35] Speaker 4: familiar with that. Let's do it. All right, let's go,
[8:37] Speaker 4: Drew Gron we're not getting we're not getting relationship advice.
[8:40] Speaker 4: No relationship advice, and be respectful. Uh, Jill, read yourself.
[8:45] Speaker 4: You've been up here.
[8:46] Speaker 1: That's going on?
[8:47] Speaker 2: How's it going, y'all? Actually, for for you guys, it
[8:52] Speaker 2: was about opening up the ROTH. So I just had
[8:56] Speaker 2: my brother open up a rock. But when I was
[8:57] Speaker 2: looking up roth a count on Invescipedia, it was saying
[9:01] Speaker 2: that it has to be earn earned income, and he
[9:05] Speaker 2: doesn't work a job and he never has, so like,
[9:07] Speaker 2: is he able to open up that route account?
[9:11] Speaker 4: How old is he?
[9:13] Speaker 2: He's nineteen?
[9:15] Speaker 4: I mean, yeah, they're not really gonna check it like that.
[9:17] Speaker 4: It's really for the miners, I mean, but yeah, it's
[9:19] Speaker 4: supposed to be like I mean, but how is he
[9:21] Speaker 4: gonna put money if he never if he never had,
[9:23] Speaker 4: if he doesn't work, you're gonna put money in for him?
[9:26] Speaker 2: Well, he has a he has a banker, He has
[9:28] Speaker 2: like a savings account with some money that he's made
[9:30] Speaker 2: throughout his life, and we were just gonna move that
[9:33] Speaker 2: money into his rind.
[9:34] Speaker 4: Yeah, I mean to give your cause every the bigger.
[9:38] Speaker 4: We get a lot of people, and the technical police
[9:40] Speaker 4: are coming down on us at an alarming rate. I
[9:42] Speaker 4: put a post cazar and they're like, that's tax fraud.
[9:46] Speaker 4: He's gonna put you in jail. So pay your taxes. Yes, yes,
[9:51] Speaker 4: it has to be earned income that you received. So
[9:54] Speaker 4: I'm gonna give you the technical answer on this and
[9:57] Speaker 4: tell him that once he starts working then he can
[9:59] Speaker 4: start put money into his retirement account. My graduates from
[10:04] Speaker 4: my school being forced back drop drop, Mike Drop, back
[10:10] Speaker 4: drop drop.
[10:23] Speaker 1: This episode is brought to you by P and C Bank.
[10:26] Speaker 1: A lot of people think podcasts about work are boring,
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