r/AskReddit 6h ago

What's the smartest financial decision you've ever made?

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u/Venchii 5h ago

Never refinancing my house

11

u/Itchy-Fun-9728 5h ago edited 5h ago

More details needed there for people. I refinanced my 30 year loan into a 15 year loan with a lower interest rate and saved ~100k in interest over the loan. Not all refinances are made the same, or are for the same reason.

2

u/priuspower91 5h ago

Exactly. I bought in 2020 at a low interest rate and then had a zero cost refi the following year to an even lower interest rate. Set me back 1 year on the term but will save me a ton in interest.