True, not HELOCs. I was thinking of Medicaid spend downs there. It's been a few years since I've looked at it, but if you needed nursing home care, the typica

True, not HELOCs. I was thinking of Medicaid spend downs there. It's been a few years since I've looked at it, but if you needed nursing home care, the typical advice was to spend down your assets in a hurry to qualify for medicaid. And in some circumstances, medicaid could put a lien on your home for post-death repayment of services.