Video Transcript: You put money away for a rainy day... but a hurricane can instantly wipe it all out. Even if you are covered by insurance, that money could take weeks, months or even years to hit your bank account. Give me 60 seconds and I'll tell you where to find help. First, put that credit card away, outside of day to day expenses this should be your last resort... not your first. The interest rates can be astronomical and the same goes for payday loans and car title loans. A much better option is applying for an actual loan. The Small Business Administration offers both homeowners and renters disaster loans up to $40,000 for property damage on things like furniture, clothing, cars and appliances and up to $200,000 for repairs to the house. And the interest rate actually is pretty low. And if you have a decent credit score, you can try to get a from your bank or credit union, but know that the first payment may be due within 30 days. If that doesn't work for you, you could tap your retirement accounts - but try to hit your Roth IRA or 401(k) before your traditional IRA - when you borrow money from a traditional IRA -- you have to put it back in 60 days or you'll get smacked with a 10% penalty tax on top of everything else. Your Roth IRA and 401K will give you more time to pay the money back and offer more leeway to avoid having to paying taxes or penalties. So talk to an advisor.

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