@BudgetsAreSexy hilarious! We are literally talking to Tyson from On Trajectory for ChooseFI and he was saying Budgets is his favorite blog and I saw this at the EXACT instant :)
@BudgetsAreSexy gotta compare apples to apples: run a 15 year calc using both interest rates and the difference is the premium you're paying over 15 years to afford you that flexibility. For me it was about $30/mo. for the flexibility to know if the sh!t hit the fan, I could extend to 30 years.