I hear you on the risk-averse thing. When we refinanced a couple years back, I kept running the numbers on both fixed and ARM options. The ARM looked ...

That’s wild—my escrow jumped after a refi too, and I remember thinking, “Wait, wasn’t this supposed to make things easier?” The insurance shuffle is s...

I left a couple of old cards open when I refinanced last year, thinking it’d help my score. Funny thing is, one of them got closed anyway after like 1...