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Totally agree that balance transfers aren't always the silver bullet people think. I've refinanced my mortgage twice, and each time it looked great on paper—lower rates, smaller payments—but the fees and closing costs added up fast. Debt strategies often have hidden catches, so it's smart to step back and really crunch the numbers before diving in. Knowing your own financial discipline matters just as much as reading the fine print... learned that one the hard way myself.
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