Well, we can pile on "what ifs" all day long, so perhaps this will suffice. As an NCO in the Air Force, we learned one thing above all. "Adapt, adjust and overcome." I would do whatever was in my power and ability to make it happen, including going into debt.
And, besides... it's a moot point, because I CAN readily access that amount.
Scott, you would go into debt? Possibly lose the home that you house your children in to make life a bit more comfortable for your 93 year old mother? Now, again...I want to clarify that I’m I’m not talking about a LIFE SAVING procedure...I’m talking about an elective procedure for quality of life...at age 93.