What were your best decisions last year?

First thing we did post covid that really felt normal. Wife and kids really deserved it after months of remote learning, masks etc.

We already had a great rate at 3.75%, but we re-financed down to 2.98%. This is essentially a lottery ticket which pays off over the next couple decades.

Secured a 20% raise by simply asking for it. You will not get something you don't ask for!