# They're Lying To You About Velocity Banking (This Math Proves It)

Page: https://stenobird.com/podcast/betterwealth-with-caleb-guilliams-1059823/they-re-lying-to-you-about-velocity-banking-this-math-proves-it
Text version: https://stenobird.com/podcast/betterwealth-with-caleb-guilliams-1059823/they-re-lying-to-you-about-velocity-banking-this-math-proves-it.md
Podcast: [BetterWealth with Caleb Guilliams](https://stenobird.com/podcast/betterwealth-with-caleb-guilliams-1059823)
Published: 2026-05-12T10:00:00+00:00
Episode link: https://betterwealth.captivate.fm/episode/theyre-lying-to-you-about-velocity-banking-this-math-proves-it
Audio file: https://episodes.captivate.fm/episode/662ebb5f-eae2-4850-99fe-b65a188184ea.mp3
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JSON: https://stenobird.com/v1/public/podcasts/betterwealth-with-caleb-guilliams-1059823/episodes/they-re-lying-to-you-about-velocity-banking-this-math-proves-it
Duration seconds: 4694

## Resource

I sit down with Zach Oehlman, a former velocity banking and 1st lien HELOC advocate turned whistleblower—who’s now calling out major figures like Michael Lush and the Kwak Brothers. After years as a top affiliate with Renatus, Zach breaks down the flawed math behind velocity banking, explains why the strategy doesn’t outperform simply paying down your mortgage, and shares details of his lawsuit against Renatus. If you’ve heard claims of paying off your home in a few years using HELOC “chunking,” this is a direct, numbers-driven breakdown—and an open challenge to anyone defending the strategy. Watch the Interview on Youtube for Visuals - https://youtu.be/OJcLugBokeE Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Interview Teaser 01:36 - Guest Introduction, Velocity Banking, Lines of Credit 04:24 - The Legal Battle with Renatus *12-Year History with Renatus *Why is he suing the company? 11:40 - Attempts at Dialogue and Professional Audits 18:51 - What is Renatus and What Do They Sell? 24:57 - Understanding the Velocity Banking Pitch 27:31 - Debunking "Amortized Interest" Myths 29:22 - The Host's Own Correction on Amortization 33:59 - Flaw in Comparative Analysis 34:34 - Liquidity, HELOCs, and Second Leans 45:51 - Step-by-Step Math: Mortgage Acceleration Logic 47:23 - How to Pay Less in Interest? 48:02 - How to Pay Off $100k in 3 Years 48:45 - Correct Analysis 57:17 - Mortgage Calculator 01:02:17 - Goal of the Lawsuit 01:10:12 - Final Thoughts DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal a…

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## Transcript

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