Words of Candor

I love talking with entrepreneurs, because I can actually feel the excitement that comes with starting your own business. As someone who is familiar with that route though, I know there are countless factors to consider as you make decisions. Here are three things we’ve been doing from the beginning to ensure a healthy business:
You’ve found your dream home, and you’re feeling both excited and nervous to put in an offer. Then you find out you need a pre-approval letter. But what exactly is a pre-approval letter?
Years ago, when we were first married, Jackie and I sat down together to talk about whose bank we would merge our accounts under. Like any educated, responsible adults about to embark on their first serious decision together, we used a coin flip. I lost, and nearly a decade later, we are still using my wife’s bank.
Let’s talk about the digital envelope system. It’s 2020, so the old-school envelope-full-of-money system doesn’t really make sense anymore. That system can be put in place digitally though, as Jackie and I have done.
I never thought we would see 30-year home loans touching interest rates in the high 2s, but 2020 was a weird year for all sorts of things.