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Without going into a lot of details, I think I might need to free up some significant cash to help out various family members as this crisis unfolds. I have three sources: Berkshire, VTI (Vanguard total stock market ETF), and a HELOC.

I'm not thrilled with the prospect of selling B shares at 185 or so...but I've bought a bunch recently so there aren't really any capital gains issues. I could sell from recent tax lots but play the psychological trick on myself of "pretending" that I'd sold shares purchased for 35 in 1999....a very satisfactory return.

The VTI I own I bought in the fall of 2016 for 110 a share. If I sell in the 130-135 range, that's nothing to be ashamed of in terms of an annualized return.

I can borrow more than I would need from our HELOC, currently at 3.75%. My inclination is to go that route rather than sell VTI or I'm confident that either one will do better than 3.75% over the long haul.

Since I'm perfectly confident that holding on to VTI or BRK for the next ten years will result in a good return, I guess I lean toward tapping the HELOC before selling VTI or BRK at these prices.

I'd be grateful for any insights or advice. Thanks.
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