<prompt> Human: For the past 2 years I lived on a tight budget building up my 401k, IRA, and an emergency fund. But my spending went beyond the budget this past holiday season. Now I have 2.8K in credit card debt for the first time in my life. I have done napkin math on two different options. Can you help me pick which way to go? They both suck, but still...Withdraw from Roth IRAWith emergency fund almost gone, my retirement savings is the only place where I can find the money to get rid of the debt once and for all. According to an online calculator, I have to withdraw 4,800 to net 2,800 after withholding tax and penalty screenshotThe price is high, but its a viable option. Would you do it? If I were to withdraw, should it be from the 401k or the IRA? 401k 6K and IRA 11K: My page: 27 Gross income: 43Kyear Pay down over several monthsBy haulting 401k and IRA contribution, and aggressively shaving off my spending, I can scramble 900 a month. With a 19.99 APY, I might be able to pay it all off in 4 months. In 1 month, 2,800 debt will become 2,847 In 2 months, 2,894 In 3 months, 2,942 In 4 months, 2,991I dont like this option because itll deprive me of all personal spending, and completely erase my ability to respond to an emergency. If some unexpected events such like car accidents or illness were to happen, I may fall into even worse debt. I want to be free of the debt ASAP although I have to bear the penalty. Is it a stupid idea?Assistant: So you can scramble 900mo? Thats great. Heres a viable option. Do you have any friends or family? Go borrow 2800 from them. Tell them that youll pay them back within 3 months. And keep the promise. Heres how. Lets say you borrowed 900, 900, 1000 from 3 friends.Today: Borrow that money. Get a side job. Look for online gigs at elance, Upwork, Fiverr, Craigslist. Tutor ESL. Wait tables. Babysit. Anything that will net you additional 100 a month.Month 1: Pay 300 back to friends A and B, 400 to friend C. Month 2: Pay 300 back to each friend. Month 3: Pay 300 back to each friend. Youre done. Boom.Human: It sounds quite interesting. Although I didnt tell my situation to any of my friends and family, Ill try to ask help to them.  <response>: 200 in interest to the bank is not worth three friendships. DO NOT DO THIS 