Do You Think Rates Are Going to Come Down?

If you are doing the 15 year mortgage and you're thinking, oh, well, I'll just have the opportunity to refinance later on. Well, if you believe that rates are going to come down, that same truth would hold with a 30 year mortgage. They're not going to be able to keep this forever, but that doesn't mean that you are waiting for the government to kind of set up your housing decisions. Brian: Is hyper accumulation considered met once you've reached that 25% savings of your gross income? Jay: If it's the same Brian, he's Bizarro Brian.