Your estimated itemized deductions (mortgage interest, property taxes, and state taxes) exceed your standard deduction by $17,500. Switching could save ~$4,200 per year. Worth confirming with your tax preparer.
Your Toyota Camry loan clears in October. That $580/month stops going to the lender and stays in your plan. Model where to redirect it: surplus, investments, or the next big purchase.
For a household with a mortgage, two kids, and fixed monthly obligations, 4 months of runway leaves little room for an unexpected job change, medical bill, or home repair. The recommended buffer is 6 months.
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Big financial decisions deserve more than a gut check. Potenza's What-If scenarios let you see the real impact on your surplus, runway, and net worth before you commit.
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