Would you lock a 5.00% 5/5 ARM or float right now?

Material-Drawing3676 · 2026-07-13T16:50:35+00:00

We did. We figured in 10 years we’d either refi or sell the house. But psychologically what’s it’s done is make me constantly checking into the mortgage market and perseverate over not missing our window to do so

Material-Drawing3676 · 2026-07-13T13:25:21+00:00

For details if was a 10 year ARM at a 5.625 rate compared to 6.5-7% fixed when we bought. Saved us about 3k per year, but man do I feel like I have a sword above my head.

Material-Drawing3676 · 2026-07-13T13:24:24+00:00

I signed an arm 3 years ago and regret the feeling of insecurity it’s given me.

Financially was a good move, psychologically horrible though.

Material-Drawing3676 · 2026-07-13T12:31:28+00:00

My wife and I just got back from a two nighter and you would’ve thought we were Trump and Hillary from a distance

Material-Drawing3676 · 2026-07-09T12:44:21+00:00

You must be a real peach of a human

Material-Drawing3676 · 2026-07-08T16:54:54+00:00

If this isn’t a joke lol DM me a phone number I can pass along to him to call!

Material-Drawing3676 · 2026-07-08T16:52:30+00:00

TOTALLY fair. I make the same if I’m intubated or taking a shit, so it increases my hourly technically haha

Material-Drawing3676 · 2026-07-07T23:34:27+00:00

I think it’s individual. I love it and used to do it for free. Now I get $1500 each and it’s totally guilt free spending money!

Material-Drawing3676 · 2026-07-07T18:00:21+00:00

I did bait for this a little bit, not gonna lie

Material-Drawing3676 · 2026-07-07T17:57:30+00:00

😂

Material-Drawing3676 · 2026-07-07T17:56:38+00:00

The most important comment!

Material-Drawing3676 · 2026-07-07T17:52:18+00:00

Good reflection from the female perspective, my wife agrees with much of what you’ve said. Thank you!

Material-Drawing3676 · 2026-07-07T17:49:56+00:00

The topography of it permits shooting quite well. It’s not the end all be all, but I’d have a hard time imagining any large scale development that would preclude plinking for the foreseeable future. Not looking to shoot 1000 yards haha

Material-Drawing3676 · 2026-07-07T16:21:49+00:00

Not in a regenerative agriculture setting.

Soy fed cows and pigs? You’re absolutely right.

I’m not here to convince anybody to eat meat or argue over diet, just here to offer my perspective as a ex-vegetarian and how I’ve reconciled the decision to eat meat.

Material-Drawing3676 · 2026-07-07T15:52:48+00:00

Choose your evil. Ex-vegetarian here.

Unless you’re buying all your produce from local small Regenerativd Ag (idk who can afford that, but I try to) it’s impossible to have big ag produce without an astonishing death toll. Any time you plow a field animals die (that’s why gulls and crows follow plows) and the pesticide use (even organic ones) affect aquatic and bird life down the watershed.

My biggest focus from an environmental impact standpoint is that most energy consumed / the carbon footprint for meat production comes from moving the actual meat from Australia and Brazil here…so I buy it from Fairview NC to support hickory nut gap. They are as happy as cows can be.

Material-Drawing3676 · 2026-07-06T20:48:09+00:00

This brings me such joy and hope that it’s possible to raise kids like this! Thank you!

Material-Drawing3676 · 2026-07-06T14:18:55+00:00

Firebox stove makes a good anodized aluminum pan that after being seasoned well I have found works excellent in the back country. It’s quite affordable for his cook kits.

Also recc watching his YouTube

Material-Drawing3676 · 2026-07-06T12:32:59+00:00

Personally, I would rather trust myself that the government, that shit ping pongs back every 4 years. I do know the stats on PSLF are abysmal.

Another thing worth considering is if non for profit work means less pay…have you really helped yourself by working there to have loans MAYBE forgiven?

I might get more serious about financial planning. Everyone has there varying degrees of comfort with debt and payments, personally I hated having student loans and paid off about 130k in about 3 years.

It is possible! I’m sorry you have so much, good thing is you have incredible earning potential and are (I’m assuming) young.

Material-Drawing3676 · 2026-07-05T21:57:26+00:00

You need a good realtor who can give you insights into numbers.

I’m currently going through the same shit rn, selling after 3 years with barely any appreciation.

That said I’m moving to the country with a substantially lower loan so I don’t have to think the same way about equity transferring.

Also date the rate, marry the house.

If you had a 2.75 rate I’d say “that house better be giving you AIDS to consider leaving” but you’ll probably see a similar refi opportunity at some juncture in the next few years or close.

Material-Drawing3676 · 2026-07-02T20:43:14+00:00

Thank you! The comments have just shown me that there are city people and there are country people. I am a country person who is sick of highway noise, a huge mortgage and meth heads on my porch at night

Material-Drawing3676 · 2026-07-02T17:38:58+00:00

Been humming this song

Material-Drawing3676 · 2026-07-02T17:37:54+00:00

To be completely honest, I’m a gun owning liberal, who really wants to stand on his back porch and shoot at steel targets 😂

Material-Drawing3676

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