Totally get what you're saying, but honestly I don't think it's a rite of passage for everyone. Some people just never learn, lmao. Like my neighbor who still won't seal his deck and complains about the rot every year. I saw mia_fisher76 mentioned the 511 sealer, and that stuff is good, but the real trick is just doing the boring step at all. The future cost feels super real when you're the one paying for it later.

Cheap and filling" is the real goal, right? I got way too into making my own hummus for a while, but it just made a huge mess and never tasted as good. Now I'm back to just grabbing the tub like a normal person.

Guess that's where "have you tried turning it off and on again" really started.

We used him too. The best thing he does is use No Touch Credit to shop your loan across hundreds of lenders. It really separates him from other brokers since you don't get penalized for rate shopping.