Good points about keeping backups—can't stress that enough. Paperwork headaches are definitely real, but honestly, most of my clients who've stuck it ...

Definitely agree timing matters—seen plenty of folks get pre-approved too soon and run into hassles. A couple quick points: - Credit checks from mort...

Good points overall, but a couple quick thoughts from my side: - Emergency funds are key—seen too many folks stuck waiting weeks for refinancing appr...

Separate cards are good, but honestly, tagging in banking apps can get messy fast—especially if you're juggling multiple projects. Expensify's decent,...

Good point here. From my experience, tapping equity makes sense if you're clear on what you're trying to achieve. If it's about lifestyle—like your ki...