That second-year jump is what tripped me up too. I kept thinking, “Sure, I can handle Year 1, but what about after that?” My spreadsheet started looki...

Honestly, I’m right there with you. When I bought my place, I kept picturing the water heater exploding the day after closing and draining my bank acc...

I totally get the urge to keep everything, just in case. I’m a bit paranoid about losing something important, so I’ve got folders within folders—proba...

I get what you’re saying about the process being smoother with a high score, but honestly, I’m not sure it made things that much easier for me. I mean...