<prompt> Human: I told her I am against it. I said that with rates most likely rising and living paycheck by paycheck, this could kill us financially. How else can I convince her? I should note that she wants to use it for home improvement.  <response>: Get a budget in place and have home improvements be a monthly line item. If you are living paycheck to paycheck you cannot afford to take on a bunch of loans. Get out of the paycheck to paycheck cycle first.rrelationships. 