I took the five years to pay it back (interest going into my account), so it wasn't a big deal. I did take nine months off (had a six month severance package + retirement), before I went back to work. I ended up taking a three-month contracting gig for big bux. ;-) A year later I quit that for a real job (at less than half the money) because contracting was otherwise too limiting.
I'm kinda out on a limb now. I'm a little nervous about having two mortgages, but I can afford it.
I wasn't (happy about carrying a balance) and won't any longer. I do borrow money, when it's free but I can pay it back immediately, if necessary.
Nope. Too Democratic. ;-)
That's the truth.