Adjustable-rate mortgages can definitely be tempting, especially when the initial rates are low. But rising interest rates do make me a little nervous...

Definitely agree about the financial runway—it's easy to underestimate how long it takes for passion projects to become sustainable. I've seen friends...

Your experience mirrors mine pretty closely. When we upgraded our fridge a couple years back, I was expecting a noticeable drop in our electricity bil...

I see your point, but honestly, I've found that not all lenders operate this way. When I refinanced last year, the lender was surprisingly transparent...