There is no magic pill, just hard work.Welcome to the KW family!

Were the costs of doing the refi a hard pill to swallow.

They can all swallow the pill of having a primary home and a second house (vacation home/seasonal residence) as a mental jump, but beyond that gets tricky, so I tend to just keep the idea to that level.

My wife is a Physical Therapy Dr. as well as a health/wellness coach and she takes an approach to give the body the proper tools to self heal and people here are more interested in treating symptoms with pills. 

Sure, just like a placebo, pre-paying my mortgage could end up as a pointless “financial sugar pill,” but at the end of the day I didn’t care.

That's a tougher pill to swallow. 

I guess at some point one may not have a choice, but man…even just contemplating that is a serious pill to swallow.   

I know that is a hard pill to swallow, but if you are unwilling to consider that possibility, then you are closed minded.

Bitter pill to swallow, but we thank God we're out of there now and focused on other areas that actually cash flow.Good luck with whatever you end up doing. 

It is a hard pill to swallow that you will be hungry sometimes, you will be tired sometimes, you will live in discomfort, you will struggle and you will achieve only in adversity.