Borrowing against the house to fund lifestyle re-risks the roof over your head. Treat equity as ballast, not a shopping wallet.
Borrowing against the house can re-risk you.
Other Truths you may like to hear
Money
Your salary is a drug
Own assets or stay rented forever.
MoneyHouse-rich cash-poor is a trap
Do the math; sometimes renting keeps you free.
MoneyDebt loves optimistic forecasts
Stress-test payments at unemployment rates.
MoneyA car is a depreciating safety box
Buy reliable used; invest the lease difference.