Yeah, I see your point about the emergency fund. Honestly, 6 months always felt a bit excessive to me too—especially if you're juggling mortgage payme...

Yeah, totally get where you're coming from. Refinancing can look great on paper, but life rarely sticks to the script. I've seen clients jump into ref...

Interesting point about contingencies—I've seen them save deals, but honestly, they're more often just a safety net that never gets used. Your lender'...

Interesting points about the thermostat settings—I tried messing around with mine too, but honestly, I still find myself manually adjusting it way mor...

Honestly, it's not as scary as it sounds—tax-wise, anyway. First thing you'd wanna do is check with the county assessor's office; they'll have records...