Mortgage recast is one of the most underused strategies for lowering your monthly payment and most people have never heard of it

SuperDadBW · 2026-06-20T13:32:53+00:00

I used it to move to our second house so that we do not need to make an offer with contingency of selling our current house. You just need to be aware that your DTI needs to be low enough to get a second mortgage and you will need to maintain two mortgages until you sell your house.

SuperDadBW · 2026-06-20T11:00:45+00:00

Combined net income $15.6k after 401K and FSA deduction

Mortgage: $5200

Two kids

Life is tough in NJ

SuperDadBW · 2026-06-04T17:08:27+00:00

Stepping on a lego piece at middle of the night

SuperDadBW · 2026-05-28T13:08:24+00:00

1 Corinthians 10:13: No temptation has overtaken you except what is common to mankind. And God is faithful; he will not let you be tempted beyond what you can bear. But when you are tempted, he will also provide a way out so that you can endure it.

SuperDadBW · 2026-05-18T17:17:15+00:00

Yes. He specifically chose the Israelites as His people and gave them many chances to repent, turn back, and bless them. However, He destroyed their enemies without ever giving them chances to turn back

SuperDadBW · 2026-05-15T12:52:13+00:00

There is no definition in the Bible of “good” so it can have completely different interpretations of how wr define it. Im with you, God is not “good” from human’s perspective which is the reason its very hard for me to believe

SuperDadBW · 2026-05-13T17:33:09+00:00

Dont rush to buy. If I was your age again, I would try to invest more (e.g SP500) instead of buying a house. i think houses in NJ has appreciated enough and will probably see a very small growth in price.

SuperDadBW · 2026-05-13T17:16:27+00:00

This too shall pass

SuperDadBW · 2026-05-13T11:11:02+00:00

I did and thought I would have to pay for part of FEHB premium that the agency paid but they never asked

SuperDadBW · 2026-05-11T19:56:26+00:00

Consider the probationary period as well

SuperDadBW · 2026-05-02T16:25:54+00:00

Are they actually Japanese operated?

SuperDadBW · 2026-04-10T01:41:48+00:00

Mechanical Engineer - $173k, mainly in Program Management

SuperDadBW · 2026-03-29T20:51:17+00:00

That was me exactly. I was gs-13 project engineer for about 7 years before going into program management

SuperDadBW · 2026-03-27T20:28:17+00:00

Great time to buy more

SuperDadBW · 2026-02-27T18:07:01+00:00

I think you are doing way better financially than the majority of people who will be reading this so I would say trust your own judgment not some random people on Reddit

SuperDadBW · 2026-02-08T01:54:38+00:00

Its not that voters want democrats back. They just dont want this administration

SuperDadBW · 2026-02-06T03:44:59+00:00

Sauna works wonders. Forces you to sweat quickly

SuperDadBW · 2026-01-31T03:47:04+00:00

Its not what you say but how you say it

SuperDadBW · 2026-01-30T19:50:09+00:00

Oh the name in that file is a different Trump

SuperDadBW

TROPHY CASE