I removed PMI after 1 year in a refi and paid off my mortgage a few months ago (after a little over 10 years).
I am OK with how it all worked out.
My rule: if you can’t pay cash for it, you don’t need it.
When I forget, Mrs. FD “reminds” me.
And, to be fair, when I have gotten her expensive gifts (in the past) she was more upset than happy. So every occasion I have the problem of treading the line between “enough” and “too much.”
I am sure most Conservative men have the same problem with Conservative wives (even if in secret).
God bless us all!
Your wife sounds a lot like mine.
God Bless them.
“My rule: if you can’t pay cash for it, you don’t need it.”
I was raised by that rule and have lived by it for all my 74 years!