Did a cash-out refi myself last year to consolidate some debt, and yeah, it's definitely a trade-off. Short-term, it felt awesome seeing those credit ...

You're spot-on with this. HELOCs can be handy, but they're definitely not a one-size-fits-all solution. I've seen clients tap into home equity without...

I get the frustration, IRS guidelines can feel like trying to assemble IKEA furniture without instructions—possible, but unnecessarily stressful. But ...