Good points about refinancing—it's definitely not a one-size-fits-all solution. I've seen people jump into refinancing just because rates dropped slig...

Had a client who locked in just before a big drop once—he kicked himself for weeks, but six months later when rates shot up, he felt like a genius. Yo...

Totally agree with shifting from skepticism to curiosity—especially when it comes to finances. I remember years ago, I nearly brushed off a debt conso...