Fair point, but locking in a 15-year can actually force better discipline. I’ve seen folks spend “extra” cash on upgrades they didn’t really need, the...

Title: Finally upgraded my living room lights—anyone else tried smart bulbs? - That purple light fiasco sounds way too familiar... had a “relax” scen...

Totally agree—plans are just a starting point. Every build I’ve been part of has had at least one curveball, whether it’s a material delay or a sudden...