You're spot on about drainage—it's one of those things people underestimate until they're knee-deep in trouble (sometimes literally). When I first sta...

You've brought up a great point about the psychological boost from the snowball method. I've noticed similar things in my own experience—clients often...

Totally get where you're coming from. I've seen plenty of clients refinance for similar reasons, and honestly, prioritizing peace of mind can be a sma...

Yep, seen that happen firsthand. Had a client once who almost paid extra because the lender labeled something vaguely as "processing fees." Pays to be...

That's a really good point. I've found myself in similar situations—locking down too much cash upfront can really limit your flexibility later on. A f...

That's a great point about market fluctuations—definitely something worth keeping in mind. When I refinanced to tap into equity for a renovation proje...