A Michigan couple paid off their $200,000 mortgage in 4 years. They broke down how they did it to find financial freedom and build up their kids' college funds.

• Andy and Nicole Hill paid off a $195,000 mortgage in about four years with income  from $150,000.
• The money they are saving on housing is going towards their children's college educations. 
• Andy Hill shared a budget sheet with a dollar-by-dollar breakdown of their spending in one month.

In 2013, Andy Hill and his wife, Nicole, decided to move from a small bungalow to a 2,600-square-foot, four-bedroom home in the Detroit area.