Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

At what point should I go into credit card debt?
Credit cards are a reasonable if relatively expensive tool to gain liquidity. If you have $50k in liquid cash, you don't have a liquidity problem for credit to help you solve.  You have 100 months of expenses in cash. I suppose you could see a balance as a motivational tool, but it's all stick and no carrot.   Take the next part half seriously in the spirit of "what if" talking therapy: If you feel you need to be motivated to get back to work by the true risk of running out of cash, and take such advice from strangers on the internet, the traditional midlife crisis purchase is a sports car.  At least have some fun in a (depreciating but resellable) asset instead of paying a financier's bonus in evaporated interest!  If there is a luxury car tariff in your country, you may even be able to exploit a personal exemption if you drove in from the U.S.  I suppose this advice could possibly get you booted from the family house as it'll probably come across as a seriously "ugly American" move though...