Really Hard Goal: $5 Million By 65

This is going to be really hard and take a ton of work! Make it enjoyable work.

Emergency LOC

Interest rates for LOCs are almost always variable and vary widely from one lender to another.
LOCs do not provide the same regulatory protection as credit cards. Penalties for late payments and going over the LOC limit can be severe.
An open LOC can invite overspending, leading to an inability to make payments.