I wanted to ask about the Smith Maneuver

This strategy is getting more and more difficult as equity markets continue to approach new highs and interest rates remain high.

The Smith Maneuver requires investment returns to outpace the interest on the HELOC you're taking out, in a nutshell. Most HELOCs at this point in time are going to be in the 6%-8% range, which makes it very tough for you to outpace it and actually benefit over the long term.

As rates continue to go downward, I could see a bit more attractiveness in this regard. However, with the rates of HELOCs right now, seems like added risk for little gain.