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- Been there... had an underwriter ask about a Venmo payment labeled “pizza night.”
- I started screenshotting everything, just in case.
- My folder’s got more subfolders than my actual practice files at this point.
- At least it keeps me organized, right?
Honestly, the level of detail they want these days is wild. I’ve had files flagged for things as random as a $12 Amazon charge—makes you wonder if they’re just bored or what. But yeah, keeping everything organized (even if it means a million subfolders) is the only way to stay sane. It’s overkill, but it does save headaches when they come back with questions. Ever feel like you’re prepping for an audit instead of a loan?
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