Totally relate to the Billy bookcase comment... I refinanced last year and halfway through, I seriously considered just sticking with my original rate...

Had a similar experience with a washing machine—brand new, warranty and all. Thing went belly-up at about 16 months, and the repair costs were ridicul...

Haha, same here—I totally get the anxiety around stretching out debt. But honestly, tapping into home equity can be a smart move if you're disciplined...

Went through something similar myself—chose a lower down payment to keep some liquidity. Ended up using that extra cash to fix my credit and qualify f...