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Thanks for the additional feedback and I don't disagree. I have been guilty of not saying 'no' enough. In the past 2 months I have put in certain guardrails to ensure the spending is capped within a safe zone. I'm not very popular right now but can live with that.

I'm making a long story short but I recently moved back into the home after an 8 month separation which was a financial challenge (my wife doesn't and has never worked a job that provides income for the family) and the home went into disrepair - so as soon as I moved back, I committed to make the home nice for a new start. Example: my son actually stepped through the floor and there was a hole in the floor in his bedroom, turns out the subfloor was improperly installed 20 years ago. That must be fixed. There are other examples that require immediate attention.

I will consider the unsecured loan route. The cash out was an easy but expensive solution so I am now considering other options.
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