Are you sitting on a goldmine without even realizing it?

Whether you're dreaming of a new kitchen, eyeing an investment property, or just needing some financial breathing room—your home might be the key. In this episode of Moving Sucks, Seth and Jenn break down two powerful tools for tapping into your home equity: Cash-Out Refinances and HELOCs. But which one is right for you? And how can you avoid the pitfalls that leave others financially trapped?

Seth and Jenn unpack the real-world pros and cons of each strategy, challenge the idea of your home as just a "forever home," and get real about what it means to borrow responsibly. You’ll hear why appraisals, interest rates, and even your own financial habits matter more than ever—and walk away with the clarity you need to make a smart move with your money.

If you’ve ever wondered how to turn your home equity into opportunity—without turning your life upside down—this episode is for you.

📍 Episode Breakdown:

00:00 Introduction and Initial Discussion

00:40 Welcome to Moving Sucks

01:20 Borrowing Against Your House: An Overview

03:08 The Debate on Housing as an Asset

08:44 Understanding Cash Out Refinance

13:33 Exploring Home Equity Line of Credit (HELOC)

19:31 Using HELOCs for Emergency Funds

21:14 Interest Rates and Financial Discipline

23:49 Appraisals and Home Value

28:34 Cash-Out Refinancing for Investors

33:10 Rentals and Market Stability

35:49 Final Thoughts and Personal Experiences

👇 Connect with us:

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• 👉 https://www.tiktok.com/@millenniup
• 👉 https://www.instagram.com/asksethanything/
• 👉 https://www.instagram.com/januskygetsitdone/

Watch the full episode on YouTube: https://www.youtube.com/@MovingSucksPodcast