"Sometimes you just have to trust your preparation and accept that a little anxiety is normal..."
Couldn't agree more with this. I've seen plenty of folks run endless scenarios in their heads (and spreadsheets) until they're practically paralyzed. But honestly, can you blame them? Borrowing from home equity isn't exactly pocket change—it's your home we're talking about.
I had a friend who was super cautious about this. She triple-checked everything, kept worrying about interest rates climbing unexpectedly, all that jazz... Eventually, she made the move and it turned out fine. But I still wonder sometimes—what if the market had shifted suddenly or her cash flow wasn't as stable as she'd thought?
I guess my point is, yeah, you gotta trust your prep work—but also be ready to pivot if things don't go exactly to plan. And definitely keep that emergency fund handy; cardboard boxes aren't as comfy as they look 😉
Totally agree—prep is key, but you can't predict everything. When I refinanced, I built in a buffer for rate hikes and unexpected repairs. Glad I did, because my furnace decided to quit mid-winter... Murphy's law, right?
