<prompt> Human: Im starting at a new job this next week with the same pay and better retirement. I currently have about 34k in retirement from my current job. I can either move it into a ira or I can cash it out and lose about 8k or so. If I cash it out I will be able to save around 1200 a month on bills that I would pay off. With the 1200 a month I would plan on saving around 6months worth for saving. After the 6 months I would start putting that amount towards the house and fixing it up and towards the amount owed. Thought and ideas.? I will have 0 issues in the future due to the quality of retirement that I will have.  <response>: Youd be taking a 25 hit AND missing out on growth so that you could... grow money years down the road?Seems kind of backwards.Youd be better off eliminating that 1200month on bills by budgeting and living lean until theyre gone. 