It usually isn’t a good idea to get financial advice from reddit, in a sub very specific to what you are asking. Understand you won’t get unbiased advice. The only person that knows if it. Is the right things to do at this time is you. No one else here knows or wants to know your total financial background, the difficulties you might face or not face if it goes down, your income, and other relationships that might impact you personally. Research it, trust your own instincts.