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I am wondering whether I should refinance my mortgage. Currently I have 3% 15 years and balance is 170k. I am planning to refinance it to 30 years at 3.5%. My monthly payment will be lowered from 1600/month to 800/month. This can reduce my total monthly expense from 4100 to 3300. After...

I started this journey in 2015 when my company laid off 1/3 of the people in one day. I had a very bad mood on that day and surfed Internet and encountered the Root of Good website and decided to take this journey to have more control of my own destiny. I had zero networth a few years ago. I...

I have been saving and investing crazily in the past five years. I had a late start with zero net worth a few years ago and I am 38. Currently I have 820K net worth, about 200k house equity and 620K invested in low cost index funds (both regular tax account and retirement account combined)...

1. I am 38 and wife is 33. Both working. Two kids 3 and 8. 2. I am making 180k and wife is making 52k. Totally 232k, but my job is not stable. May have to take a lower pay job next spring. 3. Retirement account (IRA and 401k): 300K, taxable 150k, cash 150k, totally 600k savings, all the...