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.