I get what you're saying about discipline and budgeting, but honestly, isn't refinancing debt just shifting it around rather than truly becoming debt-...

Funny you mention that... I'm currently navigating my first home purchase, and I definitely leaned heavily on backup plans at first. Thought I had eve...

That's a great perspective, and honestly, it's reassuring to hear as someone who's currently navigating this whole mortgage thing for the first time. ...