<prompt> Human: We are thinking of getting an inground pool. The cost will be around 40,000. We have a variable interest rate HELOC that would cover the entire cost, but I am worried about the variable interest rate. I can get at 2.75 personal loan over 10 years. The HELOC would need to be paid off in 6. What would you do?  <response>: I would save cash for the pool, since it is a huge, unnecessary luxury. Luxuries like pools and fancy cars should not be paid for with debt. 