Another option to consider, if you have a brokerage account, is a security backed line of credit. This is similar to a HELOC, but using your brokerage account as collateral. Schwab has been offering this for 15+ years while Fidelity started recently. This option could be in conjunction with withdrawals from your Roth. The interest rate is higher than a HELOC but lower than a personal loan. Your income is generally not an issue.
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Another option to consider, if you have a brokerage account, is a security backed line of credit. This is similar to a HELOC, but using your brokerage account as collateral. Schwab has been offering this for 15+ years while Fidelity started recently. This option could be in conjunction with withdrawals from your Roth. The interest rate is higher than a HELOC but lower than a personal loan. Your income is generally not an issue.
Post: Thinking of a possible reason to tap Roth earlier then planned
Link to comment from July 11, 2026