A small change in the rate can make a big difference over time. On a 30-year loan, a 0.01% or 0.5% change can add up to thousands or even tens of thousands of dollars in interest.
The IRS imposes a tax on "the transfer of property by one individual to another while receiving nothing, or less than full value, in return." This applies to any transfer of property without adequate compensation.
Understanding your friendships from a perspective of financial inequality can help to realize that wealth often comes with hidden costs, including emotional stress and personal sacrifice.
Don't fall in love with potential. I think everyone should have a sign on their forehead that says 'as is,' so we remember to ask ourselves if we could be happy with this person just as they are now.