Refinancing doesn't reduce your debt, it just restructures it, so be clear about what you want to achieve with a refi.

Don't you dare underestimate the power of your own instinct.

Especially if you're over 40, shortening the term of your loan to pay it off sooner could make you mortgage-free in retirement.

The joy is in the getting there. The beginning years of starting your business, the camaraderie when you're in the pit together, are the best years of your life. So rather than being so focused on when you get big and powerful, if you can just get the juice out of that... don't miss it.

I gave up years ago on the concept that you could actually have balance in your life, I think it's a phantom chase.

Buy with your heart, not your head. You can look at all the aspects that make a purchase practical, but that kind of thinking makes it an investment rather than a home.