Refinancing definitely can help, but I'm not sure it's always the best move. Have you considered just paying extra toward principal each month instead...

Fair points, but isn't there also a risk in leaning too heavily on financial cushions? I've seen friends stick with jobs they disliked for years becau...

Yeah, I noticed the same thing when refinancing last year—rates felt completely unpredictable compared to when I first bought my house. Those calculat...