<prompt> Human: I apologize for the long read, but feel like you guys should know the whole storyThis is my situation:My wife and I are 29 years old. Im making 90k before taxes this year and she is making 50k before taxes. We live in Northern California and have no kidsI made dumb decisions in my early 20s and got into huge credit card debt which was around 10k and had student loans totaling 20k. My credit score was below 600.She made smart decisions in her early 20s and bought a house where her and her dad are on title about 5 years ago. Since the day she bought the house, her and I have been living in it and paying the mortgagebills together.While living together, I got my act together and paid off all of my credit card debt and now owe about 7k in student loans. A year ago She bought a car for 40k 2 interest, 5 year term where monthly payments are around 600 but we make 1000 payments and has student loans totaling 40k.We got married a year ago and about a month after getting married we found out my parents business was going bankrupt and they couldnt afford their house. Since they have a 3300sqft house, we decided to put our house up for rent and move in with them and essentially take over on their house payments of 2200month. They have recently got jobs making 25k each so they are taking care of small bills like utilities. Our previous house payment was 1800, we are renting it out right now for 2100. My parents are essentially giving us this house as well because we are paying for it. Their house only has about 40k in equity. AFTER TAXES we bring home around 8300 a month Our total bills add up to around 5300 every monthWe add around 2k into savings every monthSpending money for going outentertainment is about 1000 every month this includes gas, food, shopping, drinks... anything we do outside the house.Recently we have been talking about finding out a way to invest into another property or into a business like subway or something similar by taking 100k of the equity out of our other house. Is this smart? Should we just wait until weve saved around 50k and try to get a loan? Is there a smarter way to invest the money if we do pull it out? Should we just sell the rental house, keep 100k in our savings? Should we not do anything and keep on going how have been? Should we sell our parents house and keep the 40k in equity and have them move into our previous house with us? We really feel like we can use the equity to someone bring more income in for the long term. Thanks for the long read. Any advice is helpful and if you have more questions, ask away.  <response>: No. You get a home equity loan for a business, business fails, and now you lose the house. 