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Don't know if this counts but finally refi-ed the house (still have six figures in equity so no we are not upside down thank you very much).
However they are no longer giving money away like ten years ago... for and ordinary white collar guy with a five digit salary even trying to get 50% of the appraised value of the house from the bank was like pulling a porcupine out my a$$ backwards.
Good news is after that exciting experience I have shredded two credit cards and we now only owe on our mortgage, Hyundai, and $3000 on a credit line with USAA that I have put on a $500 a month autopay.
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Gary Fisher 29er
2019 Kia Stinger 2.0t gone 
1995 Miata Sold
1984 944 Sold
I am not lost for I know where I am, however where I am is lost. - Winnie the poo.
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