Should I use the funds in my HELOC before market declines?

[Curtis H.]

Hello BP, 

I do NOT have a good feeling about the next 6-12 months in regards to money in general in the U.S. I have a feeling the dollar value will drop dramatically, stock market same, and in general I just feel a financial crisis is on the horizon. Some very smart money people (billionaires) are buying precious metals like crazy, and that's not a good sign for what they think the value of the dollar will be. I currently have a HELOC where the money is just sitting there waiting for me to use it, which I have not yet.

Although I don't need the money at the moment, I'm wondering if I should just pull say 25% of it out anyway in case the market goes south and I don't have access to it anymore because they froze the funds. I'd rather have it and not need it than need it and can't touch it. I don't think I'm fully understanding with the downside would be to taking out money I don't need at the moment. I'm also pretty disciplined so I don't worry that if I have it I will spend it on something silly. 

Thoughts?