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There’s definitely a balance—building up an emergency fund before going all-in on the mortgage is usually the safer move.
That’s spot on. I’ve seen folks refinance into shorter terms and get super aggressive with payments, but then something unexpected hits and they’re scrambling. Refinancing can be a great tool to knock off years, but it’s not always the right call if it leaves you stretched too thin. Did you run the numbers on how much you’d save in interest versus what you’d lose in liquidity? Sometimes people forget about closing costs or prepayment penalties, too... those can sneak up.
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