Noelle

Yeah.

Hi, John. Hi, George. Thank you for all your good work and your sound advice.

Hi, John. Hi, George. Thank you for all your good work and your sound advice.

Hi, John. Hi, George. Thank you for all your good work and your sound advice.

Um, I'd like some clarity and I'm looking for your professional guidance. I'm currently with my husband on step four and six. I'm a teacher in Miami. My husband's a firefighter. We purchased the house in 2017. It's now valued at 1.3 million. We have a 15 year fixed mortgage at 2.35 and we have 160,000 left on our mortgage.

Um, I'd like some clarity and I'm looking for your professional guidance. I'm currently with my husband on step four and six. I'm a teacher in Miami. My husband's a firefighter. We purchased the house in 2017. It's now valued at 1.3 million. We have a 15 year fixed mortgage at 2.35 and we have 160,000 left on our mortgage.

Um, I'd like some clarity and I'm looking for your professional guidance. I'm currently with my husband on step four and six. I'm a teacher in Miami. My husband's a firefighter. We purchased the house in 2017. It's now valued at 1.3 million. We have a 15 year fixed mortgage at 2.35 and we have 160,000 left on our mortgage.

We always overpay our mortgage when my husband gets overtime, but that comes in waves. So we're anticipating maybe six to seven years left on this mortgage. I'm very concerned with our property insurance. When we bought in 2017, our property insurance was $1,200. When we paid it in 2024, it was $7,700. We don't escrow.

We always overpay our mortgage when my husband gets overtime, but that comes in waves. So we're anticipating maybe six to seven years left on this mortgage. I'm very concerned with our property insurance. When we bought in 2017, our property insurance was $1,200. When we paid it in 2024, it was $7,700. We don't escrow.

We always overpay our mortgage when my husband gets overtime, but that comes in waves. So we're anticipating maybe six to seven years left on this mortgage. I'm very concerned with our property insurance. When we bought in 2017, our property insurance was $1,200. When we paid it in 2024, it was $7,700. We don't escrow.

And what's happened in Asheville and these horrid fires in California, I'm anticipating a huge property insurance hike Now, my question is, since we're on step six and we're anticipating this, should we go back to gazelle intense and try as hard as we can to pay off this mortgage and then become self-insured?

And what's happened in Asheville and these horrid fires in California, I'm anticipating a huge property insurance hike Now, my question is, since we're on step six and we're anticipating this, should we go back to gazelle intense and try as hard as we can to pay off this mortgage and then become self-insured?

And what's happened in Asheville and these horrid fires in California, I'm anticipating a huge property insurance hike Now, my question is, since we're on step six and we're anticipating this, should we go back to gazelle intense and try as hard as we can to pay off this mortgage and then become self-insured?

Well, what we're thinking of is just we currently contribute to, we have a six-month emergency fund, and we're continuing to put $1,000 a month into it. I just don't know if it's better to be self-insured or not. stay with these high prices of property insurance that I'm thinking, because we've never seen something like this in California.

Well, what we're thinking of is just we currently contribute to, we have a six-month emergency fund, and we're continuing to put $1,000 a month into it. I just don't know if it's better to be self-insured or not. stay with these high prices of property insurance that I'm thinking, because we've never seen something like this in California.

Well, what we're thinking of is just we currently contribute to, we have a six-month emergency fund, and we're continuing to put $1,000 a month into it. I just don't know if it's better to be self-insured or not. stay with these high prices of property insurance that I'm thinking, because we've never seen something like this in California.

Well, I'll tell you two quick things to help.

Well, I'll tell you two quick things to help.

Well, I'll tell you two quick things to help.

Yes.