<prompt> Human: Ive got roughly 7400 in CC leftover from expenses of buying a house. Ive got roughly 8100 in a ROTH IRA retirement account that I cant contribute to currently because all my extra income is being put towards paying off the CC debt.Should I sell off my 8100 from the retirement account and take a 10 cut because fk me right? to pay off my CC debt, so I can start contributing to my retirement account again? Im sort of scheduled to finish paying off all my CC debt in about a year... but Id rather have no debt at all, as it will make it easier to balance my expenses and Im not paying intrest on the CC debt.My ROTH IRA gains are only like 140 dollars as well. if im reading it rightEdit: Also the CC debt is spread across 2 cards, 1 has 1800 of interest free for now, the other is just a bank cash rewards card with the remainder. Should I cancel the interest free card once all the debt is paid off? I dont really need multiple credit cards, my main has a 17k credit line  <response>: Which card is the one thats interest free? Is it the Chase Slate? If not, consider getting the Chase Slate free balance transfer with 1 year interest free. I had a 750 credit score when I applied years ago and was only given a 4k limit when opened, but it helped, and can help you in your case. There may be other cards with this opportunity. If not, consider offers from other cards that provide 0 interest over a length of time for a nominal fee. Barclay has been bombarding me with 18 month interest free balance transfers for a 1 fee.There are many options that avoid you liquidating your retirement to pay off debt, and at a lower cost to boot. 