<prompt> Human: Im at a crossroads and looking for advice. My wife and I have lived in our house for 2.5 years and have been fortunate to have a large increase in home value. Bought at 215k and now at 285k so were at 85k in equity right now. We didnt listen to your advice and went into some debt for our weddinghoneymoon 11k remaining on a CC with 0 interest through 102018. Now weve received the wonderful news that were expecting! Im estimating costs of pregnancy to be about 10k out of pocket. On top of the CC debt and pregnancy costs on the horizon, our emergency fund is pretty weak 2 months. We bring in a good amount each month but Im tired of feeling like were living paycheck to paycheck as all our income goes towards paying off debt.Right now Im torn between: selling our home to cash out our equity, then renting until we find a replacement taking out a home equity line to payoff CC, fund pregnancy first time parent costs, and establish a more comfortable emergency fund hanging tough - I think we can pay off credit card by Spring 2018 then focus on saving for pregnancy costsHere are my pros and cons of each if it helps.Selling Pros: Extra cash to go toward solid down payment on new home we are currently paying MIP. Our house was built in the 50s and there are many large repairs I can see looming on the horizon roof, water heater, and ac are definites in the next 5 years so we can avoid those costs.Selling Cons: We both live less than 10 minutes from our jobs. We live on a large lot for our area and our dogs have a huge back yard to enjoy. Moving sucks. May be difficult to find a good rental or replacement home.Loan Pros: We keep our house and pay off debts. Less time-consuming than selling.Loan Cons: We lose a chunk of our equity which could hurt us if the market turns. Taking out debt to pay debts seems counter-intuitive if we can actually tough it out.Tough It Pros: No moving stresscosts. No loan costs or additional debt hopefully. Could still take out home equity loan in future if really needed.Tough It Cons Stress of living paycheck to paycheck. Chance of needing our lacking emergency fund. Chance of surprise costs related to pregnancybaby that I didnt estimate.Thanks for any help! Ill try to reply quickly to any questions, if anyone wants more info to help out.  <response>: Take out the home equity line if you like the place and dont want to move.Only use it to pay off debt even higher interest and only otherwise if you absolutely must. CC debt should stay 0 until the introductory offer runs out, etc. 