Exactly this. I've seen way too many people jump into refinancing without breaking down the big picture. Best bet: make a quick spreadsheet, plug in t...

Couldn't agree more on this. When we refinanced our house last year, everyone kept talking about big-ticket items like kitchen remodels or solar panel...

I went through exactly this a few years back. Got an ARM because the initial rate was super attractive, and honestly, I figured I'd refinance before i...