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Levertki1 t1_jae9xjl wrote

Pay down Heloc now. It will still be there if you need in an emergency.

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themeowsmeows OP t1_jaeg44e wrote

You mean use HELOC as emergency fund??

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Levertki1 t1_jaeltgo wrote

Yes until you get on the positive side. Why pay when interest when you can make most go away. Get it to zero, pay off any other debts(other than house). Build emergency fund/ increase retirement savings.

1