Golden Handcuff Calculator

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Still Holding Onto That 2–3% Mortgage Rate? It Might Be Costing You More Than You Think…

Thinking about upsizing, downsizing, or consolidating debt — but afraid to give up your ultra-low mortgage rate? You’re not alone.


But here’s the truth: your rate might not be the thing holding you back… your assumptions might be.


I created the Golden Handcuff Calculator to help homeowners finally see the REAL numbers behind staying vs. moving. No guesswork. No fear. Just clarity.

You’ll discover:

  • Whether staying in your current home is costing you more in the long run
  • How upsizing or downsizing can actually improve your financial picture
  • What happens when you roll in high-interest debt
  • The true cost difference between your current payment and a future one


If your home no longer fits your lifestyle — or your finances — this tool will help you make a confident, informed decision.

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