I get what you're saying, but honestly, having a backup plan isn't about controlling every outcome—it's more about cushioning the blow if things don't...

I refinanced a few years back and ran into something similar. Did all the math, spreadsheets looked perfect, but then life happened—had to move unexpe...

You're spot-on about trusting the math. I've seen clients get burned when they rely too heavily on market optimism or gut feelings. One thing I'd add ...