I have the opportunity to refinance from 5-1/4 percent to 4-1/4 percent. The savings will be $249 a month, which we really need because we probably will need a new car next year. The payback for the closing costs (rolled into the refi) would take 2 years. However, there is a small chance we could be moving due to my job before 2 years. Should I take the lower rate to get the monthly savings or find the money for the car elsewhere? My wife's and my credit scores are high — about 800. (Yes, Tess, I checked FICO per your constant reminding on the show.) Eric, Ringwood, NJ