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@noose Yeah, makes sense, I guess it is more a matter of taste. Where I come from it is quite rare to have a stable income (like working more than 5 years continuously), then reducing outcomes now have a high value

@noose The only thing I’d do different (but not necessarily smart) is to reduce payments instead of term of mortgage, in the end you pay more interest but reduce your current outgoing cash flows, what make your emergency fund safer, and your life less income dependent