<prompt> Human: Ive been working in higher education for the last 9 years or so in Oklahoma in a support position. I recently found out that Ive been getting money deposited in an account with Oklahoma Teachers Retirement. I didnt even realize that I qualified for this, so I was shocked to find out that I apparently have 32k in a retirement fund that I didnt know about.So now Im wondering what I should do. I have about 2k in credit card debt that I should be out from under in another 3-5 months just through my normal budgeting, about 90k in student loan debt from getting my degrees that I more or less just pay the minimum on, and maybe 7k left on my car that Ill start paying more on every month when the CC debt is gone. Should I withdraw this money and pay off some of the debt, should I move it to something that would have a better return, or should I just leave everything alone and keep it where it is until I retire in 20-30 years? Ive recently finished paying off a lot of my old credit card debt and some medical debts from my college years, and because of that, my credit score is now actually looking pretty good.  <response>: 1 dont take money from retirement to pay debt...you will get hit with taxes and penalties.2 you could leave that money there and let the pension fund managers manage your money...and you get an income stream during retirement...not sure if you could move that money while still employed with the state.3 You have nearly 100K in debt...need to keep working a plan to get this paid off asap with your income. 