Good advice on the mid-year check-in—I always suggest something similar to my clients, especially if they're considering tapping into home equity. Tax...

You're right to think about flexibility as part of the bigger picture—it's easy to get caught up chasing the lowest possible rate, but sometimes that ...

I've had similar experiences—my refurbished fridge has been a champ for years, but the dishwasher... let's just say it had commitment issues. Honestly...

I've definitely seen this happen more than once with clients. A couple years back, I had a family who bought a home in a neighborhood that was just st...

I get your point about shorter terms enforcing discipline, but honestly, I've seen it backfire too. Clients sometimes underestimate how tight things c...