File early. The window is shorter than people think and it starts at the transaction.

This board overrates bloodwork. A number moving is not the outcome you wanted.

File early. The window is shorter than people think and it starts at the transaction. Eight months in on Wise and it lines up.

It gets smaller. Not easy, smaller. That distinction kept me going.

Written confirmation email after every phone call. Cheapest insurance there is.

Photograph everything before you open it. Ten seconds, settles most disputes.