In this episode of Cash and Coffee, Emma Watts and Kayla Tenboer-Sipes break down one of the biggest financial decisions you’ll ever make—choosing the right mortgage.

Using a $200,000 home example, they walk through what it looks like to put 20% down and compare the real differences between a 15-year and a 30-year mortgage. While the lower monthly payment of a 30-year loan may seem appealing, Emma and Kayla reveal how interest, principal, and long-term costs tell a very different story.

They dig into how much of your payment actually goes toward your home versus interest, why amortization schedules matter, and how the length of your loan can cost—or save—you tens of thousands of dollars over time. You’ll also learn why your mortgage should fit within 25–30% of your monthly budget and what to consider if a 15-year loan isn’t realistic right now.

If you’re a first-time homebuyer or thinking about refinancing, this episode is packed with practical insights to help you make a smarter financial decision.

Plus, stay tuned as Kayla teases a future episode all about strategies to pay off your mortgage faster.

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