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

WEIGHING THE PROS AND CONS OF SWITCHING TO A 15-YEAR MORTGAGE

Totally agree about the hidden costs—people forget how much just keeping a house running can eat into your budget. One thing I’d add: if you’re thinking about energy upgrades (like better insulation or solar panels), those aren’t cheap upfront. Locking into a higher payment might mean you never get around to making your home more efficient, which could save you money long-term. I’d rather have the wiggle room to invest in stuff that lowers my bills and makes the place healthier to live in. Flexibility matters more than people think.