​First of all, for many people, their home is their most significant asset.  So, I understand that one may want to use the home to tap into the equity to do a number of things.  It is your money and you are entitled to use it for any lawful purpose.

It might be good to discuss “What is NOT a Good Estate Plan?
 
First, not talking about it is not a plan.  So many people are, let’s be honest, procrastinators.  Don’t let time pass you by.  There comes a point in time when one comes to the realization, “There are no do-overs in life.”  Many of us are rapidly steaming toward the finish line of life.  

The best lawyer-like answer I can give you is, “it depends.”  Or I could say, “maybe, maybe not.” The point is, don’t believe everything you hear on radio or TV.  Don’t believe everything you read on the Internet – except what I have written, of course.