lagrangian
21d ago
Borrow against it (HELOC or reverse mortgage), which turns your equity back into debt.
These are super viable options. No, they're not as good as having cash, but they're way, way better than nothing. 80+% of the way from "nothing" to "cash".
CBTI 101 says "allow yourself fewer hours of sleep until you sleep through the night, then incrementally allow more sleep." This is about as scientifically backed as anything in the soft sciences.
Less importantly, wake up at a consistent time (i.e. decrease sleep via staying up later, so as to have a consistent wake time).
Concretely, get in bed at 11pm, wake up at 7am. If you aren't happy with the sleep quality, 11:15-7. Repeat even if you're getting down to way less sleep than you'd like. Avoid naps.
Free app implementing the idea: https://mobile.va.gov/app/cbt-i-coach
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