<prompt> Human: I am 25. I have not had the best habits as of late and I now feel completely overwhelmed. I want to get out of debt but I am not sure what to do or how to do it. I have made a very rudimentary spreadsheet that covers what debt I have along with my other expenses. Here is the very simple breakdown: Credit Card 1 Debt 2,570 23.15 Min. Payment 75 Credit Card 2 Debt 4,049 14.24 Min. Payment 95 Student Loan 27,000 317month Car loan 300month Other Utilities, Rent, Food, Insurance, etc. - 1,118 month.After taxes I take home about 2,400month.Now, I know there are always things I can try and slim down such as not eating out at all, cutting cable, etc. And I have done all that or am in the process of doing that. I can survive with leftover cash each month to spare by just paying minimum payments but that will obviously get me nowhere. While I was getting myself in debt I was putting away retirement in my 401k ironic, right?. I have about 15k in my 401k. Should I justcan I take all of that out and pay off all my credit card debt and a portion of my other loans? Any advice? Im sorry if there is a lack of information or if something is not clear. I will try and answer any more questions that come in. Its just late at night and I cant sleep and I came to the realization that I need to get out of debt before this gets any worse.  <response>: No.. you need that money when you are 60...You have 1k in leway with your budget from what you have listed. Your CC debt will be gone in 6 months. If you use your retirement fund, it will be taxed as additional income it may raise your tax bracket too, and suffer a 10 penalty to boot.If anything use this as experience and to realize that going into debt to pay for things is a fools errand, and just how stupid it can be. 