Not a game changer, but this simple method can help you save a few thousand annually in interest if you have a house.

Create a HELOC on your house, and instead of spending it on renos and vacations, use the money to pay down against your mortgage. This is advantageous when you can get a HELOC fixed rate that is lower than the fixed rate on your existing mortgage. Pro/Con - This curves your interest rates and locks up your HELOC to prevent you from spending it. I haven’t figured out the smith maneuver yet, so I am unclear as to how this would fit with that. Am curious on others thoughts on the benefits/risks/opportunity costs of this basic technique.