I definitely get the logic here, but do you think the market's volatility might actually make waiting a bit worthwhile? I mean, rushing into refinanci...

Yeah, that's an interesting thought. When we refinanced a couple years back, I wondered the same thing. We had a recent survey done because our neighb...

I get what you're saying about making extra payments—definitely helps in the long run—but I wonder if that's always the best move financially? I mean,...

Yeah, comps really do seem to rule the roost. I've wondered myself—does it even matter if you put in a fancy new kitchen or redo the bathrooms if no o...

I totally get the psychological boost from those random payments, but have you ever worried about losing track of how much extra you're actually payin...

I've been burned by HELOC freezes too, and honestly, it's one of those lessons you only need to learn once. Banks always seem friendly when the market...

Interesting to hear your experience with YNAB—I tried it a while back but just couldn't stick with it for some reason. Maybe I didn't give it enough o...

Escrow's definitely a smart move, but honestly, I'd probably just arrange to meet at a mechanic's shop and have them do a quick inspection before hand...