Got big summer plans or surprise bills? Your house could be your secret stash for extra cash, but don’t rush to cash out for that dream vacation just yet. Home equity loans and HELOCs aren’t the same—one’s a lump sum, the other’s like a credit card for your house. With rates possibly dropping soon, shop around before you sign anything. And remember: using your home’s value for smart stuff (like crushing credit card debt) beats splurging on a getaway. Use your home’s value wisely! #HomeEquityHacks #SmartSpending #MoneyMoves