Update - I managed to double my HELOC to $100,000 with only lawyer's fees for cost. Balance is $44K, so I have room for some real estate improvements and emergency cash. Rate is 2.75%. I moved my 401(k) to my Vanguard IRA. Now I need to invest it. Will be talking with a rep though I have a plan already that includes a couple of years of expenses over and above what we get from a real estate investment and my DW's SS invested in CD's and index funds. I'm counting down the days to December 17, but trying not to wish this gorgeous summer away either.
Retired 12/16/2015 at 60.