Is this faith or financial risk? Considering using retirement funds to buy property in Brazil I’m wrestling with a financial and faith-based decision and would really value perspectives from both sides. For context: I’ve been investing consistently for about 10 years in a Roth IRA and 4 years in a 401k (with employer match), averaging around a 19.5% return. Both accounts are now around $80k. I also have an HSA, some annuities, and a brokerage account. My family (5 of us) bought a home in the U.S. 2 years ago, which we now rent out while we travel. We also *have residency in Brazil*, which is part of why this decision is on the table. We’re considering buying a new construction home in Florianópolis. The plan would be to pay over 3 years (interest-free), live there about 4 months per year, and potentially benefit from appreciation once it’s completed. To make it work, I’d likely need to: Take a small HELOC Withdraw some contributions (not gains) from my Roth IRA and possibly 401k This is where I’m stuck.…