Yeah, that's pretty much spot-on. One thing I'd add though—while there's no extra deduction specifically for energy-efficient upgrades via home equity...

Couldn't agree more with this. Discipline really is the key factor here. I've seen clients refinance, clear out high-interest debt, and then put that ...

Exactly—discipline is key. I've had clients who've done great with HELOCs, but also a few who got a bit carried away. Sounds like you're already on th...

Good points on the windows, but honestly, I've seen thermostats make a bigger difference for folks who aren't planning to stay put long-term. Depends ...

I totally relate to this frustration. We had an interest-only loan for a couple years when money was tight, and honestly, it felt like we were just sp...

I refinanced a few years back to redo our kitchen—honestly, it worked out pretty well, but it wasn't stress-free. Had a few sleepless nights worrying ...