Interesting to hear Fern touch on how they are mortgage free in today's vlog.Ryan stating he is a developer now, I can assure you his company has gone bankrupt in France.
I guess many people could be mortgage free if they bankrupted every company they start and have the loans associated with those companies wiped clean. Fern and Ryan are mortgage free thanks to the bankruptcy system/laws, as well as the vendors who didn't get paid, not because either one of them are some type of financial or property ladder genius!