Cards, loans and paychecksPrompt 017
See if refinancing makes sense
Answers the refinancing question with a break-even date instead of a rate headline.
Ready to ask
Prompt text
“Would refinancing my mortgage make sense at current rates? Show the new payment, closing costs, the month I would break even and total interest compared with keeping my loan. Use current benchmark rates and cite the source.”
Context Silvia can use
Mortgage balance, rate and term, benchmark rates and cash.
What a strong answer includes
Break-even analysis with cited rates.
Useful follow-ups
- Check this every Monday and tell me when it breaks even within two years.
- Compare a 15-year and a 30-year loan.
Ask Silvia about your actual financial life
Connect the relevant accounts, add the goal or constraint that matters, and ask Silvia to show the evidence and assumptions behind the answer.
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