One….if hubby is unemployed—can he watch the kids and save $550 a week?
Two—buy a few window units until he is back employed–and then save cash for the new house unit.
We have used window units for the past 14 years or more. We have one in each bedroom that we turn on shortly before bedtime and one in the living room that runs as needed.
Remember, it is only going to be hot another couple months….why take out cash now that you might really need later for a much bigger and non-avoidable reason.
Three– Wouldn’t you have to pay penalties and taxes on that withdrew money—again, better to wait until hubby is employed and save cash.
Just my opinion from what I read—only you know what is best for your situation,