<prompt> Human: 25 years old been with my company for a little over 2 years now and have been contributing to my 401K since I started. Company matches up to 4. Total I have 6377.44. My credit card debt is 6717.53. So my question is, should I use my 401K savings to pay off I can pay the other 350 over the next 2 paychecks my debt. 401K is pretax so I know I would be taking that income tax the next year. Is this plausible?Assistant: You will get a 10 penalty in addition to paying income tax.What interest rate ins the credit card?Short answer is to reduce your 401K donations so that you are getting the full match, and then aggressively pay off that debt.Human: Credit card is 13 interest and I just recently stopped contributing to be able to pay off the debt. Thanks Dave Ramsey  <response>: If you follow Dave, you also should know he would never tell you to cash out a 401k to pay off that debt. 