Using a Home Equity Line of Credit or Home Equity Loan Can Be a Dangerous Tool

"I think there's a big risk right now in the fact that housing prices have gone up that 36% over the last two years. So I would put together a plan on the front end of how you're going to satisfy that," he says. "And again, gamify it. If you want to do a home project, say, okay, we're not going to start until I've got half the capital saved."