Yeah, I get what you're saying, but refinancing can still be a smart move if you're disciplined. For me, it freed up cash flow to tackle other debts f...

Totally get this analogy. I'm usually the first to question extra fees, but escrow's one thing I wouldn't skip. Peace of mind is worth a few extra buc...

I totally get the frustration, but honestly, I'd rather have my bank be a bit over-cautious than too lax. A few months ago, someone tried to buy $800 ...

You're definitely not overthinking it—it's smart to keep some cash handy for unexpected stuff. A few thoughts: - Having liquidity is peace of mind, e...