Struggling with mortgage payments?

“why let money collect dust in a savings account when it could be hacking away at the mortgage?”

I get where you’re coming from, but I’ve seen too many folks run into trouble by draining their cash reserves. Sure, paying down the mortgage feels productive, but when life throws a curveball—like your water heater and car both dying—you’ll wish you had that “dead” cash handy. There’s a balance to strike. Emergency funds might not earn much, but they keep you out of high-interest debt, which is a win in my book.