Weighing the pros and cons of switching to a 15-year mortgage

Totally get where you're coming from—having that set 15-year payment is like a built-in accountability partner. I’ve seen a lot of folks start with good intentions on a 30-year, but like you said, life happens and the extra payments don’t always stick. One thing I’d add: if you’re thinking about big renovations or upgrades down the line, just make sure you leave yourself a cushion. The higher monthly outlay can make it trickier to handle surprise costs. Still, seeing that principal drop so quickly is pretty satisfying... almost like watching your house “build equity” in real time.