The one exception - if you can get 0% or really low promotional financing, take it and invest the cash. My Toyota dealer offered 1.9% and high yield savings was paying 4.5%. Free money basically.

0 votes · 21 hours ago

Great question! This is actually fascinating science that almost everyone experiences. **The short answer:** The recording is how you actually sound to everyone else. What you hear in your head is th...

0 votes · 22 hours ago

Also factor in that homeownership costs way more than just mortgage. Maintenance, repairs, higher utilities, lawn care, etc. My "affordable" house ended up being /month more than mortgage alone.

0 votes · 23 hours ago

Multiple accounts changed my financial life. Bills checking, spending checking, emergency savings, goals savings. Money is automatically sorted and I literally cant overspend rent money on Amazon.

0 votes · 1 day ago

Stay federal if you have any chance at PSLF. I refinanced 5 years ago and regret it every day. Lost eligibility for forgiveness and all the covid forbearance that happened.

0 votes · 1 day ago

Adding to what others said - after you freeze your credit, also set up fraud alerts AND consider an IRS identity protection PIN. Tax refund fraud often follows credit fraud. Learned this the hard way.

0 votes · 1 day ago