That was what I figured as well, but hearing someone who has gone through a similar process as me reassures me. I didn't even know what an equity was 5 years ago - I've come a very long way. But I know I have a lot further to go.

I think I will cash out my robo advisor, even though its scary. It's my last safety net, and I've been pretty poor before. I think its worth the risk, though.

Thank you for your tangible advice, I very much appreciate it.