A few clients called me this week to share concerns about a declining housing market and how it would impact their long-term financial planning. "I need my home equity for retirement", one said. "What if foreclosures on my neighbors ruin my nest egg." Our ensuing conversation covers some basic facts about home equity: Home equity is an asset -- just like stocks, bonds, or a stamp collection Home equity grows or shrinks as a home's value grows or shrinks Home...
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