Last weekend my childhood best friend died at 62. Partly due to poor health, he became financially challenged later in life. Thank God, he had a stash of cash. His Orange County home was free and clear, completely paid for. His home equity could have been put to good use. Basic living expenses, badly needed home repairs, and occasionally, a nice dinner out. My best friend was of his own mind. Somehow, some way, he had a mental block about tapping into his home equity. Or, maybe he was fine as he was. U.S. life expectancy is 76.1 years, according to the National Center for Health Statistics. Are you on the financial edge? Are you going to outlive your money? Then what? Over the years, I’ve re
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