Andy and Nicole Hill, who paid off their mortgage in four years, with their two kids.Courtesy of Andy Hill 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.