01 · Family
Husband. Father of five.
Michael and his wife are raising five boys. Family isn't simply what he comes home to after work. It's a central reason behind the life he's building.
Get to know Michael
About Michael.
Entrepreneur. Author. Husband. Father of five. Man of faith. Farmer. Discover the story, values, and experiences that have shaped Michael's life and mission.
The story
The man behind the mission.
Michael Lush is an entrepreneur, author, speaker, and host of Stronger Humans. He's also a husband, father of five boys, man of Christian faith, and farmer.
While much of his professional life has been spent helping people rethink money and financial freedom, the bigger story is about building a life rooted in faith, family, responsibility, and purpose.
Michael spent 17 years in the mortgage industry helping families finance their homes. But everything changed when a successful hedge fund manager challenged what he thought he knew about mortgages, debt, and banking. Skeptical at first, Michael set out to disprove the strategy, only to discover that the math told a different story.
He put the approach to work in his own life, paying off his family's home in just three and a half years. That experience inspired him to leave the mortgage industry and launch Replace Your Mortgage, which eventually grew into Replace Your University.
Today, Michael and his team have helped more than 10,000 families rethink conventional financial wisdom and pursue greater financial freedom. What began as a personal discovery has grown into a mission to empower families through education, challenge the status quo, and help people take greater control of their financial futures.
What he's built
Business. Media. Impact.
Founder & CEO
Replace Your University
Financial education that challenges conventional thinking about money, debt, and mortgages.
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Funds of Freedom
A nonprofit directing resources and influence toward fighting human trafficking.
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Stronger Humans
Honest conversations about becoming stronger where it actually matters.
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The mission
Become stronger. Then make it count.
Strength isn't one thing. It's built in your money, your health, your faith, your family, and your character. It starts with taking responsibility for your own life, then using what you've built to protect, provide, lead, and serve. That's how a legacy gets made.
Freedom
Responsibility
Character
Service
What grounds him
What matters most.
02 · Faith
Faith that shapes everything.
Michael's Christian faith shapes how he approaches marriage, fatherhood, business, leadership, and the responsibility to serve others.
"A Bible that is falling apart is usually owned by someone that isn't."
03 · The Farm
A life rooted in the land.
Life on the farm keeps Michael connected to hard work, responsibility, self-reliance, and the values he wants to pass on to the next generation.
Funds of Freedom
Success should serve something bigger.
Michael believes the resources and opportunities created through success carry a responsibility to help others. That belief is reflected in Funds of Freedom, the nonprofit he founded to help fight human trafficking and support meaningful causes.
For Michael, success has always been about more than building wealth. He founded Funds of Freedom out of a conviction that those blessed with resources, influence, and opportunity have a responsibility to use them for something greater. Through the foundation, Michael is committed to fighting human trafficking, protecting the vulnerable, and making a lasting impact in the lives of others.
The conversation doesn't end here.
From meaningful conversations to opportunities to collaborate, there's more to explore.