Becoming financially independent takes discipline, determination, and a lot of hard work. Adding unnecessary complexity doesn't help.
Low-interest balance transfers and debt consolidation can be tempting. Learn how to determine if a balance transfer or debt consolidation is right for you.
Learn how to calculate break-even, because refinancing your mortgage can be a great way to lower your housing expense, but only if it doesn't cost too much.
Unsecured debt will rob you of future wealth. Learn what types of debt can help you build wealth and how to use them wisely.
A cash-out refinance can lower the cost of what you owe, but behavior change is the only way to actually reduce debt.