I spend most of my time on this site explaining why paycheck parking and chunking work. Fair is fair, so this post is the other side. There are situations where this strategy is the wrong move, and pretending otherwise would make me a salesman instead of a teacher.
The first disqualifier is negative or break-even cash flow. Chunking works because your monthly surplus buries the chunk sitting on the line. No surplus, no burial. The chunk just sits there at the line's rate, and you've traded cheap fixed-rate debt for expensive floating debt. If money runs out before the month does, the leak is the problem to solve first, and that work starts over at Oregon Cash Flow Pro, not here.
The second is spending that isn't under control yet. A line of credit puts available credit one click away, every single day. If a fresh credit limit has historically been a spending trigger for you, admit that to yourself now, before the line is open. The strategy routes spending you were already doing. It can't survive spending that grows to fill the credit available. Sometimes the right call is a year of plain budgeting first, and there's no shame in that year.
The third is instability you can already see coming. A shaky job, a likely move, a business in a rough patch. The strategy leans on a line that a lender can freeze or reduce, and on income that keeps arriving. If either is in doubt, cash in a boring savings account is the better tool for this season of your life. Flexibility beats efficiency when things are wobbly.
None of this means the strategy is fragile. It means it's a tool with a spec sheet, like any tool. Steady income, a real monthly surplus, spending under control. With those three in place, the math works the way the How It Works page lays out. Without them, wait. The strategy will still be here when your footing is solid.