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It's making it tough to give that up. I'm not lucky, but I caught the bottom on our refinance which means we are going to be staying at our place until it's paid off. At that point we could roll that into a new house and hopefully get a better rate.

That is my hope too. We still have a long way to go on our mortgage, but I know we are going to want to move. Ideally, on our next house I'd love to just get a 15 year mortgage or something like that. Perhaps crypto will help get me there.