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Jill on Money with Jill Schlesinger

Should I Refinance to Fixed Rate?

Jill on Money with Jill Schlesinger

Audacy

Education, Investing, Business, Self-improvement

4.61.9K Ratings

🗓️ 25 November 2025

⏱️ 15 minutes

🧾️ Download transcript

Summary

I have a 10 year ARM and I'm wondering if I should refinance or ride it out a bit longer and hope that rates continue to come down?

Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Transcript

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0:00.0

Welcome to the Jill on Money Show. It's Tuesday, November 25th, and we are here answering your

0:09.4

financial questions, even though I'm out of the country. On Tuesday, November 25th, what will you be doing,

0:15.9

Mark Talercio? Even though you'll be out of the country, I will almost certainly be hearing your voice as I edit you. How is that possible? Didn't we do everything in advance of my two-week vacation? Well, yeah, we recorded everything. It just doesn't mean everything's put together. Oh, yeah, that's right. That's your work. Oh, you're such a hard job. I'm so sorry. Listen, gang, while I'm on break, don't worry, Mark's there, manning the email.

0:42.0

And if you've got a question, if anything is going on in your financial life, if you're just so sick of your family, need a break from Thanksgiving, then just hop upstairs or get on your phone and shoot us a note.

0:53.8

All you need to do is go to

0:54.8

JillonMoney.com. In the upper right hand corner is the contact us button. Write us a note.

1:00.1

And if you want to join us live, check the box. Mark will bring you on the air with us.

1:04.7

While you're on the website, please do check out all of the content that lives there. Mark does a

1:10.0

wonderful job with the website.

1:12.0

And so we are so grateful for that.

1:14.6

And I know you are.

1:15.6

I know I am.

1:16.9

Okay.

1:17.4

Mark, let's do some emails while I'm still in the country.

1:21.3

Here is a question from Graham.

1:23.3

It's about a Roth.

1:24.6

So stay.

1:25.5

Oh, it's Graham from Australia.

1:27.8

I love him so much.

1:29.1

Okay.

1:29.6

So this is Graham, who is a recidivist questioner, and he's a great listener.

1:35.0

He lives in Australia.

...

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