That is a good point and I’ll probably go back and add a mention of that as a word of caution. The main point I was trying to get across is about cashflow and if your carrying debt while you’ve lost your job a lot of the “best” options are likely off the table and you’re left with “less good” options to sure up cash flow during a financial emergency.
I am doing well, thanks. At home quarantined with a newborn has been a challenge but we are getting through! I hope you and your family are doing well too.