Personally, I'd prefer dollar-tree ones (if basic, uncluttered look) over none in the room (bedroom, whatever) because I want to encourage trash being put away.

So I would encourage you to adjust your expectations starting out and develop the discipline of saving money so that every month your net worth is higher than the month before.

As for your specific scenario, I would encourage you to reach out to a professional to guide your tax planning activities ASAP.  

Your comment is one of the only ones that made me feel encouraged and not like I’m a failure.

A very encouraging post!

If they're serious, I encourage them to send me the request which I accept (after I've also made our House Rules clear).

It's awfully encouraging to see a fellow Floridian get out of the rat race.

There is also the alternative of doing a step up in the rate after 5 years to encourage them to refinance.

Here are thoughts on building strong vendor relationships:1.Timely Payments: Pay vendors promptly upon completion of work to maintain goodwill and encourage continued collaboration.2.Fair Pricing: Negotiate competitive rates without undercutting the value of their services.

Audrey, your comment is very encouraging.