Definitely agree about smaller insurers—they often have more room to maneuver. Another thing I've noticed is bundling policies (like home and auto) ca...

Totally agree about shifting strategies—it's pretty common actually. I've seen clients start with snowball because the psychological boost from cleari...

Totally agree about the buffer—it's amazing how often people underestimate that. I've seen clients who stretched their budgets to the absolute max, an...

Couldn't agree more with this. I've seen plenty of people refinance, clear their debt, and then immediately start eyeing shiny new toys (motorcycles i...