refinancing mortgage question

[frugal is fun]

right now because of the current market my funds aren't doing that great but last year I was averaging 11%.

still thinking about what to do with the car. I'm looking for ways to cut my already minimal expenses to throw more money at the car.

I'm just not truly comfortable with taking ALL of my cash to put towards the car. I'm a single mom and wiping out my cash scares the crap out of me.

BUT as I said, still thinking...

[Greebo]

right now because of the current market my funds aren't doing that great but last year I was averaging 11%.

still thinking about what to do with the car. I'm looking for ways to cut my already minimal expenses to throw more money at the car.

I'm just not truly comfortable with taking ALL of my cash to put towards the car. I'm a single mom and wiping out my cash scares the crap out of me.

BUT as I said, still thinking...

Understood - then figure out what you ARE comfortable with, and do the rest out of stocks.

If you need any more convincing, ask yourself this: Would you borrow money to buy stocks?

You've borrowed money, and you've got money in stocks now - so... how is the current situation different from if you had borrowed money to buy stocks?