That's a really good point. When we refinanced a few years back to consolidate debt, it felt amazing at first—finally breathing room in the monthly bu...

Totally agree about patience being key, but honestly, sometimes you gotta push a little harder. When I was closing on my first place, the lender dragg...

I get the appeal of Iceland's approach, but honestly, selective forgiveness always feels a bit risky to me. Back in '09, my cousin qualified for a sim...