Totally agree with this. I've seen clients dip into equity for small stuff, and before they know it, they're financing vacations or new TVs—yikes. Hom...

Same here—thought I was being smart by upgrading my thermostat first, but turns out my ancient windows were practically open doors in winter. Lesson l...

Haha, totally get this. Reminds me of a client who tapped equity to renovate right before the market dipped—ouch. Numbers looked great on paper (Excel...