<prompt> Human: Im 28 years old, have roughly 18k in my 401k and 6k in savings.I have about 20k in credit card debt for various reasons that Ive been trying to pay down, but finding it difficult. I am slowly paying it down, anywhere between 500-1500 a month, 250 a month of which is interest at the moment.My first few years out of college I worked at a company with a pension contribution, but left before I was vested in the company, so I get back all of the money I contributed to the payments, and has been sitting in an account for me. I am allowed to leave it there for 2 years should I choose to go back and not lose my time served, and I wasnt sure of my plan so I left it there. I am approaching the two years and have to take it now. Its 18k.If I roll it over into a 401k, I do not get penalized. If I withdraw the money, I am penalized 30. I worry I do not have enough saved, but I also worry that my credit card debt is not allowing me to save more ie. I can increase my contributions if I am not throwing so much money at my card each month. I also can split withdrawroll over if I want and am only penalized on the portion on which I withdraw.I believe that the smart decision is to put it into my 401k, but I was hoping to hear what other people think.  <response>: Pay off your credit cards, and dont withdraw from your 401k. Stop contributing more money to your 401k until your credit cards are paid off. 