03-16-2020, 11:54 AM
We're at 3.75%, so a refinance break even is probably 3-5 years away depending on how low they go. I think they only reason I'd do it is if we wanted to pull some equity out to pay bills for awhile... and that's a pretty expensive prospect. With respect to stock, I've landed on just riding it out. I didn't want the tax hit to sell things and well, now it just seems like chasing my tail to do anything. Net worth is down ~10% in the last week, but it is what it is and we have years to recover. At this point, I'm more concerned about possibly being unemployed next week and having to pay for COBRA. 
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth