Totally agree on the “fancy” plans—my lender tried to upsell me on biweekly too, and I just laughed. I’d rather keep it simple and flexible. Here’s wh...

- I get your point, but I’ve actually found “noise” sometimes flags stuff the data misses. - Apps and city maps are great for hard facts, but they c...

Totally agree about the “nickel and dime” fees—those add up fast. When I refinanced, I actually caught a $75 “doc prep” fee that wasn’t on the origina...