Today I'm radical personal finance live Q&A.

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Oh, welcome to radical personal finance and show dedicated to providing you with the knowledge, skills, insight, and encouragement you need to live a rich and meaningful life now, while building a plan for financial freedom in 10 years or less.

My name is Joshua Sheets, welcome to radical personal finance, a live Q&A show.

These are the shows that work like live call-in talk radio, you call in, we chat, and of course I release it to the podcast feed and usually about 30 minutes or so, so it's not quite live for you, but mostly.

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These are my personal favorite shows of the week because I don't have to choose the topics, I don't have to think in advance, I just show up to a phone line,

and you get to call in and talk about anything you want to talk about.

Ask any question you want to, bring up any topic you want to talk to, and we can chat about anything that's on your mind.

I do my best, if I can't help you, I try to point you in the right direction, and you can judge for yourself the results.

If you would like to join access to these Friday Q&A shows, you can do so by joining us on Patreon.

Go to Patreon and search for radical personal finance, sign up to support the show there on Patreon, and I will be happy to talk to you on next week's Q&A.

It just helps me to meter the access a little bit. If I open it up to the public without screening it with Patreon, then I would have, you know, probably, you know, 30, 40, 50 collars every show.

That's usually how it's been whenever I've done something public.

So by metering it behind Patreon, it allows me to have a manageable number of collars.

At the moment, we've got five sitting in the line, we'll see who else joins here in the next few minutes.

To begin with today, let's see, we will go to Andrew and Texas.

Andrew, welcome to the show, how can I serve you today, sir?

Andrew and Texas.

Thank you, Michael.

A question about home equity line of credit, and I got some of the answer in your recent podcast on ratios, and really found that valuable, but, yeah, I'm finding that.

With real estate values that have kind of climbed over the last year or two, a lot, I've got suddenly a lot of home equity, and I've been getting bolder, you know, through your podcast and different things about the idea of taking risk with that money, putting that capital or putting that equity to use in a better way.

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