Is It Worth Refinancing Just to Lower Monthly Stress?

Lowering the monthly stress is totally worth it if you’re drowning, but if you don’t have a plan for that freed-up money, it’s way too easy to waste the opportunity.

Couldn’t agree more with this. I refinanced for the same reason—needed to breathe, not just survive. But honestly, I think a lot of people underestimate how quickly “extra” money gets absorbed by random life stuff. Curious, did you ever try tracking where that $200 actually went? I started using a budgeting app after my first refi and was shocked at how much just disappeared into takeout and little splurges. Wonder if having a concrete goal (like, “this goes to debt, period”) actually makes a difference, or if life just finds a way to eat it up anyway...