After a several-month process, I’ve officially refinanced my home loan. It will pay for itself very quickly.
It was somehow an incredibly difficult decision to make. Are we gonna live here as long as we think, would we rather have the cash in hand and fix something, do we invest in some other thing, when do we do it, should we do it at all, why are we doing it... You know. The adult stuff!
I feel like I did the responsible thing.
I could have bought most of a nice high-mileage 100-series Land Cruiser that we all know I wasn’t going to buy anyway.
I’m also weighing whether or not to focus on obliterating our student loans soon... 2020 is going to be a boring, responsible year.