Oh of course. I can clarify. I have enough saved up by end of May to quit with BARE minimum saved full cash to get me until October with all expenses covered.

I currently have zero balances on all my credit cards, and no debt outstanding but the student loan that is counted as in progress.

I have no plans at all to put anything on my credit cards, beyond what I describe below.

My main concern is that I need a buffer of $2-3000k on top of my savings, so I have room for emergencies and life.

I'm trying to figure out if the Line of Credit is the correct option, or if I should attempt that balance transfer promo credit card as my buffer as it may work out cheaper insterest-wise in the long-run.

I intend to be working out of school, I'm going into a very 'in demand' trade, where the other students in my class already have jobs lining up for them, so ideally any of the buffer debt would be paid off relatively quickly.

I'm trying to consider redundancies for that though, worst case scenario I'm fucked with no job and can't pay debt.

With the line of credit, the interest rate is lower than a credit card, but there's no grace period.

With the promotional rate on that credit card I linked, the interest is higher, but there is no internet on balance transfers and cash to bank account transfers for 12 months.

I'm thinking if I move money from that fancy card into my bank for rent, worst case scenario, then if I hit 12 month mark, which would be May next year, and I can't pay it, then I use my Line of Credit to pay that off.

This is all hypothetical, and perhaps I'm overthinking it, but I'd prefer to have safety nets secure.

The bottom line is: I need about $3000, I need it to be cheap or free, and I need to quit my job as soon as possible becuse every week longer I work there I damage my ability to enter my new career after school easily.

Thank you for your response