He Paid Off His $187,000 House in Just 11 Months (Yes, I Have the Receipts) Uber Driver Spreadsheet Trick
October 2024. Miami. 2:17 a.m. I’m drunk, tired, and climbing into the back of a Toyota Camry that smells like pine tree and regret.
The driver’s name on the app says “Reginald.” Everyone calls him Reggie. 58 years old. Been driving Uber 12–14 hours a day for almost a decade. He tells me he’s two payments behind on his house and the bank already sent the scary letter. Uber Driver Spreadsheet Trick
Normal late-night finance-bro conversation kicks in and I ask, “How much do you still owe?” He sighs. “$187,400. I’ll be dead before it’s paid off.”
Traffic is dead on the 95, so I pull out my phone, open Google Sheets, and do something in literally 47 seconds. I turn the screen to him.
He stares. Then he whispers, “You’re messing with me.” I say, “Try it when you get home. If it doesn’t work, I’ll Venmo you $50 for wasting your time.”
He screenshots it on his cracked iPhone 8 and drops me off at my hotel. I completely forget about the whole thing.
Fast-forward 11 months…
Same city. Same time of night. I request an Uber and a brand-new Tesla Model Y pulls up. Window rolls down… it’s Reggie. Except now he’s wearing Ray-Bans at 1 a.m. and grinning like he just won the lottery.
He almost crashes hugging me at the red light. “Remember that spreadsheet thing you showed me?!” I’m confused for a second… then it hits me.
He pulls out his phone and shows me:
- Mortgage balance: $0.00
- Final payoff confirmation letter dated exactly 11 months from our ride
- A brand-new deed with only his name on it
The bank called him three separate times because they thought it was fraud.
Here’s the wildest part: He still has the exact same Google Sheet open. It’s literally the one I made in his backseat. He just added one extra column himself.
I begged him to let me share it. He said yes… but only under two conditions:
- Don’t put his last name anywhere (he’s paranoid about the IRS)
- Don’t sell it (he hates internet marketers more than I do)
So here it is. The real file + the 4-minute video where I explain every single cell like you’ve never used a spreadsheet in your life.
No opt-in wall, No “$997 course.”, No 6-hour webinar.
Just click → download → watch → copy what Reggie did.
→ Click here to get the spreadsheet + video (100% free, gone in 48 hours)
Look, I’m not saying this will pay off your house tomorrow. I’m saying a 58-year-old Uber driver with a 480 credit score did it in 11 months. And the only thing he changed was adding that one stupid column.
If you’ve got debt, a mortgage, credit cards, or you’re just sick of living paycheck to paycheck… Open this before your boss does.
Reggie asked me to tell you one last thing:
“I wish someone had shown me this when I was 30. Don’t be me. Don’t wait.”
→ Get the file here before I’m forced to take it down
(P.S. Yes, it’s still free. Yes, it still works as of December 2025. No, I’m not allowed to keep this up forever.)
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