Had a client go through something similar last year—here's the quick rundown: - Refinancing dinged their credit about 15-20 points initially. - Took ...

Fair point, but here's the thing... life rarely sticks to our carefully laid plans. I've seen plenty of folks who were "definitely moving in 5 years" ...

Haha, totally feel you on the math vs. motivation thing. Avalanche is great on paper, but debt payoff is like dieting—if you don't see quick wins, it'...