<prompt> Human: Thought experiment:Your estimated 6 month emergency fund is 20,000 covers mortgages, utilities, food and other expenses, etc.. You have a 20,000 line of credit across 4-5 different credit cards - debt holds you over for short term You have a HELOC of 70,000 on your primary residence - use HELOC to pay off credit cards, effectively converting the credit cards short term debt to 4-5 interest loans from 18-30.Essentially, using debt as your emergency fund, allowing you to invest more. Should you lose your job, you have creditshort term loans to hold you over until you have income, which then you use to pay off your lower interest HELOC.Thoughts? Disadvantages?  <response>: Thoughts? Disadvantages?The biggest disadvantage is that a HELOC and lines of credit are not guaranteed. During the financial crisis, people saw lines of credit disappear instantly, and at the worst time for them to go away. 