Robert

It's $741 a year for both policies.

Well, we love that.

Well, we love that.

Well, we love that.

You know, I mean, I've worked hard, I've invested well, but also, I mean, I've got to give some credit to Ramsey. I attacked my mortgage first, and I did not spend money that I didn't have.

You know, I mean, I've worked hard, I've invested well, but also, I mean, I've got to give some credit to Ramsey. I attacked my mortgage first, and I did not spend money that I didn't have.

You know, I mean, I've worked hard, I've invested well, but also, I mean, I've got to give some credit to Ramsey. I attacked my mortgage first, and I did not spend money that I didn't have.

The things my grandmother taught me. I mean, it was very, very, very simple, and... Yeah, I'm done well with it.

The things my grandmother taught me. I mean, it was very, very, very simple, and... Yeah, I'm done well with it.

The things my grandmother taught me. I mean, it was very, very, very simple, and... Yeah, I'm done well with it.

Well, we try to be really wise with our income, and I'm afraid we may have made ourselves artificially house poor. Tell me more.

Well, we try to be really wise with our income, and I'm afraid we may have made ourselves artificially house poor. Tell me more.

Well, we try to be really wise with our income, and I'm afraid we may have made ourselves artificially house poor. Tell me more.

Yeah, it tracks. So almost two years ago, we took out a construction loan and built our forever home out on the family property next to my folks. We didn't get the land. We didn't build our home in someone else's land. So that was smart, I think. Um, the issue we is we kind of painted ourselves in a corner when we did it because we did it in an adjustable rate mortgage.

Yeah, it tracks. So almost two years ago, we took out a construction loan and built our forever home out on the family property next to my folks. We didn't get the land. We didn't build our home in someone else's land. So that was smart, I think. Um, the issue we is we kind of painted ourselves in a corner when we did it because we did it in an adjustable rate mortgage.

Yeah, it tracks. So almost two years ago, we took out a construction loan and built our forever home out on the family property next to my folks. We didn't get the land. We didn't build our home in someone else's land. So that was smart, I think. Um, the issue we is we kind of painted ourselves in a corner when we did it because we did it in an adjustable rate mortgage.

And now it's forcing us to in a situation where we're kind of having a snowball pay off the mortgage before the adjustment hits. So I'd appreciate your perspective on whether it'd be a better choice to continue power paying this mortgage or maybe loosen the belt a little, live our lives and plan to refinance before the adjustment happens.

And now it's forcing us to in a situation where we're kind of having a snowball pay off the mortgage before the adjustment hits. So I'd appreciate your perspective on whether it'd be a better choice to continue power paying this mortgage or maybe loosen the belt a little, live our lives and plan to refinance before the adjustment happens.

And now it's forcing us to in a situation where we're kind of having a snowball pay off the mortgage before the adjustment hits. So I'd appreciate your perspective on whether it'd be a better choice to continue power paying this mortgage or maybe loosen the belt a little, live our lives and plan to refinance before the adjustment happens.

Um, December of 33 is a 10-5 ARM at 5.375. Okay. And we built it in March of 2020. So it was like the worst time in modern history to both retire from the military and build a home.