Totally agree with checking annual summaries instead of monthly—makes a huge difference mentally. A couple other things that helped me: - Refinancing...

Been there myself. When I bought my first place, the ARM looked tempting because of the lower initial rates. Here's what helped me figure out if I cou...

Totally agree—quick spreadsheet is key. I'd also add: - Check if refinancing resets your loan term (watch out for extending your timeline). - Factor ...

Yep, learned this the hard way myself. Official docs are great for insomnia, not so much for practical info. Chatting with locals is tedious but beats...

I tapped into my equity a few years back to invest in a rental property—best decision I made financially. Sure, it felt risky at first, but sitting id...

Yeah, that's always a tough spot—markets are unpredictable, and ROI numbers can be overly rosy. A couple things to keep in mind though: - You're inves...