<prompt> Human: I am 30 years old, single, committed to my Bamboo plant but nothing else and live in Louisiana. I make about 80k a year.Income:3600 a month bi-weekly actually from job1300 a month from tenantExpenses:Mortgage- 2050UtilitiesInsurance- 600Car Payment- 150FoodFunVacation fund- 1000I have no other loans except my mortgage 4.25 and car loan 3.25.I have roughly 130k in my 401k TSP and about 5k in my savings.I live in a duplex and already depleted a lot of my savings after buying the house last year to fix up one side. I now want to tackle the other side. I figure I need between 20-25k to do this. I have thought about taking a TSP loan to pay off over 5 years because when it averages out, Im only losing compounding interest on 30k of 130k for 2.5 years. Seems like that will be less money lost then taking out a home improvement loan of 8-ish percent.If it matters, my home is worth more than I paid for it. Before the upgrades I had done it had appraised for roughly 50k more than what I paid. I dont know if that would help me get a lower rate.edit: added more to expenses.  <response>: So, you have almost 5k coming in each month and about 3k in expenses? How dire is the need to do the renovation? You could probably save up the money in about 1.5 yrs. alternatively, look into a HELOC or second mortgage on the property. Rates are still very low, payback terms are generous, and unlike borrowing from your 401k there isnt the risk of if I get laid off, I have to pay back the full amount owed in a matter of weeks ... What I have done in the past is this - I save up the money for the renovation separate from my emergency fund and have a small HELOC as a backstop. The HELOC acts as the contingency fund ... In case the reno uncovers anything truly awful that needs to be fixed ASAP hidden water damage, unsafe electrical, etc. Its hard enough to save up for big renovations, let alone have an oh shit fund separate from the emergency fund, so this works for me. Good luck! 