Refinancing doesn't reduce your debt, it just restructures it, so be clear about what you want to achieve with a refi.
I've put up with more humiliation than I care to remember.
I never use that word, retire.
I started to like blues, I guess, when I was about 6 or 7 years old. There was something about it, because nobody else played that kind of music.
I'm no good with chords. I'm horrible with chords.