Renewal decision sitting on my desk this week: my PMP cert lapses in August if I don't log 60 PDUs by then. I'm at 34. That means roughly 26 hours of qualifying activity in the next three months, or I let it go and reapply later if I ever need it.
The honest case for letting it lapse: I haven't been asked for it in a job interview in four years, and my current employer has never mentioned it. The case for keeping it: unknown. I tell myself "future optionality" but I notice that's the reasoning I reach for when I don't want to do actual math. Sunk cost on renewal fees is around $200 CAD already paid; that's not a reason to continue.
Did the Q1 numbers this morning. Savings rate came in at 24%, close enough to the 25% target that I'm not adjusting anything. Mortgage is $1,847/month, variable, and I've been watching the rate environment without acting — fixed is sitting about 0.3 points below my current rate, not enough to justify the break cost. Reviewed that in February, will revisit in August when the term comes up.