text:  your home to do upgrades because you're putting your own home on the line in order to do that. Why is there this urgency to make, to do all of this? Why is there an urgency to do a HELOC? And if you don't do that, then we've got to move and buy a $900,000 house. Why is there this sense of we've got to do something? Well, we have three kids, six, eight, and 10. And