February 2026 Money Notes: Rate-watching + mortgage renewal prep

The one sentence takeaway

This month is about clarity first, then action.

What I am seeing right now

People are overwhelmed by choices, not by lack of information. The best plan is the one you will follow.

Practical notes

1. Pick one primary goal for the next 60 days
2. Track only the numbers that change your decisions
3. Set one automatic step so progress is not willpower based

If you want to go deeper

1. Write down what you are trying to optimize, time, taxes, flexibility, or peace of mind
2. Build the plan around that, then choose the account or product second