I am learning things the hard way. We have a loan with deferred interest on our roof and windows. Just realized if we don’t pay it off, almost $5000 of interest will go on our account. So it is leading me to seek refinancing. We have made some dumb choices. But that dumb choice led to this realization. Romans 8:28. Reading Numbers this morning, reminds me. Only after a year they wanted to go back to Egypt. they had seen the Red Sea part, the 10 plagues that delivered them, yet would not trust and obey the Lord through Moses.