Nate's sister just bought a house and was offered two different mortgage options. One has a lower interest rate with a higher closing cost and the other has a higher interest rate with a lower closing cost. Danielle and Nate walk through how they would make a decision on which mortgage to go with.

Nate and Danielle discuss their bathroom remodel along with the choices they made to fit their budget. They also discuss how they almost lost track of their spending and potentially put the project in jeopardy.

Nate talks about the ins and outs of solar panel ownership. He discusses the costs, benefits, payback periods, and things that you should look out for when considering purchasing solar panels. He explains his viewpoint as someone who has purchased, paid off, and owns solar panels.

Nate and Danielle talk about their new home equity loan and how it fits into their budget. The reasons why the loan was taken out along with a discussion on how to determine if you can afford a loan are discussed. They also look at the benefits of low-interest rates and how putting extra money on your loans can dramatically lower their payoff period.

Nate and Danielle discuss a listener question about the idea of combining 11 different student loans into one. They look at the pros and cons and offer their advice. They also take a look at the questions you should be asking yourself if you are faced with this type of situation.

Nate and Danielle discuss what they are doing with their credit cards in order to help their cards better work for them. Credit cards are treated like cash and as such, should only be used if you have money in the bank to pay for a purchase that you are making in full.

Nate and Danielle discuss the various ways to finance a home remodel and the pluses and minuses of each.

Nate and Danielle answer a listener question on how to afford a home with a pile of debt but a new income.

We answer a listener question about budgeting in college, the decision to open a credit card or not, and putting money away for retirement while in college.

Nate and Danielle discuss how to determine expenses and how to begin the process of budgeting. They look at needed, unneeded, and other expenses and give examples of how finding your expense patterns can be used to setup a long-term budget.

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