Went the shorter-term route myself a while back, and here's my quick take: - Yeah, the lower interest rate and quicker payoff sounded amazing at firs...

Haha, IRS guidelines are basically the "choose your own adventure" books of adulthood—except way less fun. I once replaced my old fence with a nicer o...

Great insights, especially about hidden fees—been there, done that, got the overpriced t-shirt. 😂 I've tapped into home equity myself to clea...

Totally agree on the refinancing thing—been there, done that, got the overpriced t-shirt. 😂 Small principal payments do add up faster than you...

Credit unions are solid, but honestly, I've found smaller local banks even more flexible. Had one loan officer practically rewrite my life story to ma...

Totally relate to the refinancing curveball—been there, done that, got the stress wrinkles to prove it. For me, risk-taking definitely felt easier whe...