I’m about to sign for a mortgage but I have enough money in the bank for a sizable recast pretty much right away, should I?

I'm about to sign for a mortgage but I have enough money in the bank for a sizable recast pretty much right away, should I? Bit of background here: So I've been hesitant to invest in anything more volatile than a savings account, outside of retirement contributions, pretty much my entire life, outside of about an S&P index fund holding worth around $14K (given what it started at, I probably should have put some more into that over time instead of just letting it sit ...

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