I hope your year is off to a strong start. I’m actually writing to you today from Alta Badia, Italy on a ski break with my son, Jack.

The reason I’m in my hotel writing this quick email for you is that the Coronavirus is spreading worldwide – and faster than expected.

It’s now even hitting over here in Italy where I am living. And as I write this, the global markets are reacting strongly (which is to be expected).

I think at times like this no one puts scary times into better perspective than “Uncle Warren Buffett”.

And he did one incredible job today of reminding everyone that – while the human tragedy of this virus is horrible – it should not change your long term investment goals or strategies.

The truth is, no one calms me down the way Warren Buffett does during times like these. Here’s his interview to read now.

AND NOW LET ME SHOW YOU HOW TO USE THIS TIME TO RETIRE SOONER!

Last week while in Venice, I created a video and article for Money Magazine about looking at the bright side of things right now.

The fact is, the economic worries that the Coronavirus is creating are also forcing interest rates down to the lowest we have seen in three years.

There is a really good chance that right now you could refinance your mortgage and save a fortune.

Specifically, rates have come down by a ½ to 1% on 30 Year Mortgages.

According to mortgage data, there’s now 11.5 million people (maybe you!) who can refinance their home and save upward of $260 a month.

That’s over $3,000 in a year, $30,000 in a decade, and over $90,000 of the life on a standard mortgage.

That’s a huge deal. Refinancing now might help you retire 5 to 10 years sooner.

You can read my entire article on this topic at Money.com.

This article was the #1 trending article on Money.com last week when we shared it.

REMEMBER – DURING SCARY TIMES – THERE IS ALWAYS SOMETHING POSITIVE YOU CAN DO.

Don’t let this virus derail your investment confidence. Read the refinance article here and stay calm.

And please feel free to share it with your friends.

Until we talk again.

Thanks for reading. It’s been a few months since I said hi, but I have not forgotten about you.

Just living life in Florence, Italy. There will be more goodness to share again soon.