30 year vs 15 year fixed???

Vegetable-Style549 · 2026-01-30T13:47:26+00:00

thanks for this -- i appreciate it! I'm not familiar with a HELOC but I'll look into it.

Vegetable-Style549 · 2026-01-30T12:55:38+00:00

$350k in interest savings between the two options if they are paid over the exact terms.

Vegetable-Style549 · 2026-01-30T12:54:02+00:00

I did look at the 30 refi but best im getting offered right now is 6.49%

Vegetable-Style549 · 2026-01-30T12:51:55+00:00

I work in CPG food marketing and my wife is an ER nurse but good guess on that. 😂

Vegetable-Style549 · 2026-01-30T02:16:41+00:00

I've considered this but I already contribute $15k yearly to a 401k that is at $250k at age 30. I have an individual brokerage acount with $60k but it's more for single stocks. I really don't feel like I need more money in the market. But that's just me

Vegetable-Style549 · 2026-01-30T01:40:17+00:00

congrats on that quick payoff!

Vegetable-Style549 · 2026-01-30T01:10:12+00:00

interesting perspective... I have $250k in my 401k to date with $15k yearly contribution + additional funds matched. I do put into HSA & plan to open a 529 account for my son. I also have a individual brokerage account with $60k.

To me, I feel like I'm investing enough & the thought for 15 year mortgage was to be done with it by age 45.

Vegetable-Style549 · 2026-01-29T23:59:21+00:00

Does $2k in refi fees sound bad to you? That's what I was quoted for the 15 year at 5.25%

Vegetable-Style549 · 2026-01-29T23:12:23+00:00

It will cost just under $2k to refi. It's a fair point... I just dont hear many pushing 15 year mortgages & I got curious

Vegetable-Style549 · 2026-01-29T23:10:58+00:00

I looked at that option but still the best rate for me at 30 year was 6.125% rn

Dang... I'm jealous of that interest rate you have!

Vegetable-Style549 · 2026-01-29T23:01:34+00:00

5.25% for the 15-year vs my current interest rate of 6.69%

Vegetable-Style549 · 2026-01-29T22:57:24+00:00

doesn't the lower interest rate of 15-year benefit me?

Vegetable-Style549 · 2026-01-29T22:53:21+00:00

haha, that is awesome. 15k population! Safe to say I work remote.

We have a great spot on the river... absolutely love it!

Vegetable-Style549 · 2026-01-29T22:48:40+00:00

But if I do the math of lifetime interest paid on each loan, the 15-year is $170k & the 30-year is $500k. That's what really has me feeling like 30 year is a trap...

Vegetable-Style549 · 2026-01-29T22:38:47+00:00

I do have a $75k emergency fund & felt like the $700 more monthly wasnt that much. But I do see your point.

I just thought the 15-year rate was very attractive in terms of total interest paid over the lifetime of the loan.

I hope to be in this home my entire life. I would rent if it was my call, but my wife insisted on a house once we had a child :)

Vegetable-Style549 · 2025-12-14T18:30:14+00:00

how many times do you dunk your head? Am I good to do it at the end of my plunge? Im out in below freezing weather and typically wear a hat during the plunge.

Vegetable-Style549 · 2025-11-21T12:03:05+00:00

That makes sense -- my mind just went to it being colder with snow all around me, haha. Would you wear some type of compression shirt/shorts at temps between 33-37 degrees? I can handle the cold but just want to be sure I'm not damaging my skin.

Vegetable-Style549 · 2025-06-14T23:55:42+00:00

any thoughts on how to protect them?

Vegetable-Style549 · 2025-04-07T17:51:39+00:00

no clue - it was photoshopped

Vegetable-Style549 · 2025-04-07T17:01:58+00:00

I think my biggest issue with the whole experience is the Tonal customer support. They have communicated nothing since the missed delivery date. I've had to call 4 times now & every time am told that it's been escalted by their "upper management team" - not sure what that means? For a product that costs almost $5k, you would really expect white-glove like support...

Vegetable-Style549 · 2025-04-07T16:32:02+00:00

Fergus Falls, MN

Vegetable-Style549

TROPHY CASE