Plus virtually all of the layoffs we've had are due to the fed's decisions.
I bought right before the pandemic and was able to get a slightly lower rate without paying any extra refi-costs during the pandemic.
But my job is extremely stressful, in an industry hit hard by layoffs. My neighborhood was hit hard by tech flight during and post-pandemic, so my home is not worth what I paid.
I'm made lots of good financial decisions and still got stuck as a result of things outside my control!