Do not move if you're on FIRE. Drop and roll!
Seriously though, my old credit union (DCU) offered some pretty dang sweet 3/1, 5/1 and 7/1 options "on special". Four years ago they offered me a 3.98% 5/1 with no closing costs and I almost took it and invested the money. People here talked me out of it...which goes to show you that you should never listen to us 'experts' here  I'd be up about 25%...
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Many an optimist has become rich by buying out a pessimist
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