Thank you all for your thoughts

We were leaning towards doing it, but wanted to make sure I’m not being totally stupid. My husband isn’t able to do any additional weekend work because of a disability, and I am already to the max with my job and some part-time consulting I pick up on weekends. We’re hoping my husband continues to move up the ladder where he is now to help us dig out. Even if we made an extra one or two hundred on the side, with the interest rates we have on our current mortgage, it will take so much longer to dig out from this horrible loan. Hoping to stay accountable here to not spend the freed up money on paying stupid taxes in other areas (like out major downfall of the past…going out to eat!!!)