No, I am not actually a junkie of any sort but I sometimes feel like it when I reflect upon my history of borrowing funds against the estimated value of my home.
You see, I have been trying to encourage my and my children's various
endeavors, just as many other parents who somehow think they can are
wont to do. Helping with down payments for a home, chipping in a bit
with rent, or, and this is the biggie, subsidizing a love for a serious
extracurricular activity, not to mention the more immediate help with
daily expenses – all these and others have induced me to try to generate
resources not just from productive work but at times from borrowing
against anticipated income.