Couldn't agree more with this part. I've noticed that people who've had positive experiences with debt—like successfully funding a renovation or inves...

You're spot on about liquidity—reminds me of a client who went big on the down payment to lower his rate, then got caught short when the roof suddenly...

I've seen folks go both ways on this one. Had a client once who tapped equity for a kitchen remodel—ended up loving the upgrade and boosted their home...

Funny you mention aesthetics vs practicality... reminds me of when we refinanced our VA loan a couple years back. Initially, I was drawn in by the sup...

Yeah, calculators are decent for ballpark figures, but they're always a step behind reality. I remember helping a client last summer who was set on bu...