With a PhD in financial economics, Sean Hundtofte is here to help you understand how macro and micro economic forces affect homeownership — from homebuying to real estate to refinancing and beyond. A former research economist for the Federal Reserve Bank of New York, Sean’s goal is to help you make more informed decisions about homeownership. While the holiday season is the most festive time of the year, it also tends to be the most expensive for people. If you’re wondering, “How do I lower my debt costs after the holidays?” you’re not alone. A cash-out refi could be a smart and cost-effective way to consolidate past expenses, like holiday…