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We got a rippin' mortgage through QE. Our bank offered us a stupid deal and we said "fuck off, it's too good to be true." Then our planner said "no, no - they have to give it to you or else they have to give it to mortgages in trouble and their chances are much higher they'll get their money back from you. Take the money." We went from a 30 year with 27 years left to a 15 year at the same payment. I calculated it's gonna save us $80k. Income inequality.