I’m clawing out from under them, and empty cat food cans.

The refi might actually be a superior option to the HELOC or equity loan.

In some ways. Once the Fed lowers rates another couple of times.

Or maybe I’ll win some lottery that I don’t play any more.

I am not energized by any of the ways, but I consider them too often, in idle dreamy moments between clearing the real trash of days or decades.