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KXLY February 22, 2021 9:00 AM Liz Weston Posted: Updated: NerdWallet Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. This week’s episode starts with a discussion of why you probably want to file your taxes sooner rather than later. Then, we pivot to this week’s question from B, who writes, “I have a fixed 30-year mortgage at 3%. With 22 years left to go, I can save $300 to $400 a month with a refi at 2.75%. That’s a 30-year fixed with a local credit union and no points. We plan on staying in the home for at least the next seven years and may want to use the extra cash from the refi to put down on a second home, or does it make more sense to use our HELOC as a tool for down payment?” ....