Totally agree with you on local lenders being more transparent. I've seen this play out quite a bit with my clients. Here's a quick rundown of what I'...

That's a fair caution, but I'd add that tapping equity doesn't have to be risky if you approach it methodically. For instance, first clearly define yo...

When I switched to real estate, I had similar surprises... thought I'd budgeted for everything, but overlooked how much I'd spend on coffee meetings a...

Good points there—though I'm curious, have you thought about how comfortable you'd feel if your emergency fund took a big hit? Sometimes even discipli...

Interesting take on the windows...but I'm not totally convinced they're just a comfort upgrade. From my experience, energy-efficient windows can actua...

I've noticed banks get jumpy over anything remotely out of the ordinary. Last year, I bought some flooring supplies—nothing crazy, just laminate board...

Good point about the interest-only phases being tricky...seen a few clients underestimate that myself. Curious, did you compare total interest costs o...

I get the hesitation about jumping around, but honestly, isn't exploring different paths kinda necessary these days? Like when I started out, I though...