HELOCJanuary 29, 2026
Using a HELOC as an Emergency Fund — Smart or Dangerous?
Is using a HELOC as an emergency fund smart or risky? Learn the pros, hidden dangers, and when this strategy makes sense for homeowners.

Thomas is an accomplished financial professional, with over 20 years of experience in investments, corporate finance, and accounting. His investment experience includes oversight of a $4 billion portfolio for an insurance group. Varied finance and accounting work includes the preparation of financial statements and budgets, the development of multiyear financial forecasts, credit analyses, and the evaluation of capital budgeting proposals. In a consulting capacity, he has assisted individuals and businesses of all sizes with accounting, financial planning and investing matters; lent his financial expertise to a few well-known websites; and tutored students via a few virtual forums.