Glow-in-the-dark anything is having a real moment, like disco balls for the craft table. My local shop can't keep the stuff in stock, which is wild for material that basically turns your work into a permanent nightlight. It's fun for a few projects, but how many glowing paperweights does one person need? The buzz will probably fade once everyone's made their third ashtray that haunts their patio at night. It feels like a fad riding the wave of other neon and retro trends. Give it a year and we'll all be onto the next shiny, or in this case, glow-y, thing.

So how long do you really think you'll be in that house? I got a slightly higher rate with no points on my place because I knew we'd move for my wife's job in like 5 years. My cousin went for the super low rate but paid a ton in points, and then his job moved him after 3 years. He basically lost money. You gotta run the math on the total cost for your own plan.