Interesting perspective, and I get where you're coming from. Flexibility can definitely help, but I wonder if sometimes being too adaptable might lead...

Adjustable loans definitely have their place, but yeah, they're not for everyone. Did you find the adjustment periods stressful, or was it more the un...

That's definitely something to consider. HELOCs can be useful, but they're not bulletproof, especially when markets get jittery. Have you thought abou...

Haha, exactly—it's like lenders have a secret bingo card of random reserves they pull out when you're least expecting it. Ever had one ask about "roof...

Good points here, especially about consistency. But I'm curious—have you noticed lenders being more cautious with certain types of bankruptcies? In my...

Totally agree about the psychology part—it's amazing how much calmer clients feel once they've set that boundary. But do you ever find people second-g...