Pull $ when refinancing? No penalty because of circumstances, divorce.

Pull $ when refinancing? No penalty because of circumstances, divorce. Divorced, I’m keeping the house. I have to Refi to pay my ex equity & get his name off. Should I pull additional $20k to beef up my emergency fund & pay off my car? It increases my mo payment $140/mo. The increased mortgage is already a stretch but having some cash at this point would be nice. The rate I have locked in is 6.6% (RIP sweet 2.5% f...

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