Thinking about using your house like an ATM? HELOCs (home equity lines of credit) are tempting, especially with credit card rates sky-high. If you’re planning a big kitchen upgrade or want to wipe out expensive debt, a HELOC could save you money. But heads up: rates can change, so if your job’s shaky or you’re just looking for extra spending cash, it might be too risky. Always have a plan before borrowing against your home! #HomeEquity #MoneyHacks #PersonalFinance #HELOC #SmartBorrowing #RealEstate