Good points, but leveraging equity isn't always a straightforward win. I've seen cases where folks underestimated market shifts or unexpected expenses...

Sheets actually has a pretty decent built-in version history feature—it's just not immediately obvious. If you click on "File" and then "Version histo...

You're spot on—fixed rates offer peace of mind, especially if stability matters most. But hybrids can be smart if you're planning to sell or refinance...