The Moneyist: I’m house-rich and cash-poor. Should I refinance my house and set up a joint savings account with my husband? ‘I can tolerate him for 7 months — at the most.’

Dear Quentin,

My husband of seven years owns a home in Minnesota and has a mortgage. I own a home in Florida with no mortgage. We have no savings or retirement accounts.

Should I pull my equity from my home in Florida to start a savings account for us? I’m working and my husband is retired. My house is worth $216,000.

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