Rachel Cruze

Out of the $4,500, how much is left after you have all your living expenses?

I guess.

I'm a little shocked just to say to keep it.

But as you go out the math, especially since you're not working, Lynn, and my thing is, too, even with the margin, though, per month, it's going to take a while to get to.

You know what?

Well, your payment per month, yeah, it would be less.

Because a credit union interest rate would be?

Lower.

Three, four?

Yeah.

Well, because the 80 grand sitting there, Lynn, technically I look at that as your emergency funds, right?

And if you did three or six months of that, it would not add up to 80 grand.

Yes.

So even if you left 30 and threw 50 out of like what you were saying, I think that gives you plenty of room.

To be there.

Well, in your home, it's a – there's a safety net there.

There's something to be said when you own it outright.

Yes, yes.

But if you don't get – if you get in trouble or something – and the good thing is too, Lynn, regardless of which way you slice it or you do it, is the value of the home now –

So outweighs everything.