Totally get the dial-up analogy, haha...been there myself. Curious though, have you run numbers on how much you'd save waiting versus jumping in sooner with a bigger down payment? Sometimes seeing actual figures helps ease that impatience a bit.
I see your point about crunching numbers, but honestly, sometimes peace of mind outweighs the math. When we refinanced, waiting longer might've saved us a bit more cash...but jumping in sooner felt way better mentally. Just something else to consider.
Yeah, I get what you're saying... peace of mind definitely has value. I'm usually all about the numbers, but sometimes you gotta factor in your sanity too. If it felt right for you, that's probably worth more than saving a few extra bucks down the road.
I hear ya, peace of mind is definitely important. But I'm curious—does putting down more cash really give you that much extra sanity? I mean, bigger down payment means less cushion for emergencies, right? Personally, I'd be a bit nervous tying up too much money upfront after bankruptcy. Maybe waiting it out isn't just about numbers... could be about building confidence too. Just something to think about before you dive in headfirst.
Went through something similar myself a few years back. I initially thought a bigger down payment would ease my anxiety, but honestly, having cash on hand for those unexpected furnace breakdowns or roof leaks saved my sanity way more. Sometimes peace of mind means flexibility, not just equity...
