U.S. homeowners have $30 trillion in home equity. Should you tap yours?

The fact that home values have soared in recent years is a bad thing for today's buyers. But it puts existing homeowners in a stronger financial position. U.S. homeowners are now sitting on almost $30 trillion in home equity collectively, according to the St. Louis Federal Reserve. That amounts to roughly $200,000 per homeowner in tappable equity — meaning, the amount of equity…