I could learn something from you. We’ve got less than 10% left to payoff the house. We too made “re-financing” mistakes along the way. Cars are paid off, but we keep them about 15 years. Had some issues recently that made us dip into savings and use the credit cards so we have to tighten up for a few months.
Like you, we had to learn the hard way, and those seem to be the lessons that stick with you the longest.
Congratulations on your financial independence.