Here is the part financial planners like. With a HECM set up as a line of credit, the unused portion grows over time. It is a standby bucket.

I hear the same worries every week, so here is the honest version of each one.

When people tell me they do not have enough to retire, I ask one question. Did you count the house?

Most of the people I meet who are close to retirement have more wealth in their house than in their 401K. Here is how a reverse mortgage can put that to work while you stay right where you are.