A flush cut grinder tool bit made of an elongated cylindrical shape with an inwardly facing saw blade within the inner diameter of the elongated cylindrical shape that can be sleeved over a protruding object, such that the cutting saw blade portion of the tool bit is inside the cylindrical tool bit so that when it is sleeved over a protruding object, moving the tool bit back and forth over the protruding object will cut the protruding object off at the surface. The body of the drill bit terminates at its distal end with a flush flange having saw teeth therein, and may include a bit shank suspended in the middle of a drill bit body by spokes or a solid surface radially extending from said bit shank. A method of using such a flush cut grinder tool bit is included.