I almost didn't pick up the phone.
2011. The worst year of my life. Working five jobs. Falling behind on mortgage payments. Barely keeping my head above water.
Then one day, my phone rang. I didn't recognize the number. It looked like spam. I was in the habit of ignoring calls like that. But for some reason… I picked up.
It was the bank. "We can refinance your mortgage," they said.
I had no idea what that even meant. "What would that allow me to do?" I asked. They started explaining how it would change the amount I was paying. How it could put a bunch of money back in my pocket. "Sign me up. Say no more. If it's going to put money back in my pocket, I want to do this immediately."
It was a windfall. And here's the weird thing about windfalls: Most people find themselves back in the same situation they were before they got the windfall about a year to a year and a half later.
Refinancing my mortgage was the right move. It made a lot of sense at the time. It was something I needed to do. But only about a year and a half later? I ended up selling my house.
So that was the solution that saved me… temporarily.
In this post (and video), I share the story of the phone call that changed everything—at least for a little while. Because sometimes the thing that rescues you isn't the thing that changes everything. It's just the thing that buys you time. And sometimes, that's exactly what you need. https://davidandrewwiebe.com/?p=28013
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