Your equity is not a savings account from which you can withdraw for free.

@Joyce KimHELOC and home equity loan are not the sameEquity line of credit is a line of credit that let’s you withdraw up to specific amount and you can take less and pay interest on what you drawFor example if you had a $50k line of credit you may choose to use $20k of it and it is usually ten years where you can pay it off and draw moreA home equity loan is a second mortgage which is a fixed amount and paid off over a period of timeHELOC is better in my opinion but if you have no income it will be difficult to get approved even with the equity you haveCommon misconception people have is if you have equity you can just take it, that’s not the case the bank also wants to make sure you have the ability to repay it.

This could actually slow their earning potential and hurt them in the long run.If you want to grow, focus on making and saving money.

Fourth, as the years go by, and the mortgage is slowly paid off, the returns begin to slow as the effect of leverage fades.

Also seen this market slow down back since April.

The way the SEPP works is that you take the current account value and set a schedule of withdrawals to drain the account over a set period of time.If you find a way to make the numbers work, you might want to setup a specific and separate IRA for that purpose.  

The thing is I want to invest in real estate because it could help me pay off the tuition faster but it’ll slow down my wealth growth.

Our slow season is months with some of the best weather IMO and people come here to escape bad weather further North.

I actually think the numbers are really solid right now and thats even better considered how much the market has slowed out there. 

As appreciation slows.