<prompt> Human: So I just bought a home, and well, I accrued some expenses in between moving and buying things I needed for the home that I didnt have in my studio apartment. I can pay off the CC debt at about 400 a month maybe more, still the first month of me owning the home dont have good examples of what my monthly costs will be, but Id be accruing like 1.07 monthly interest charges on the CC while trying to pay it off, and I also have a lot of my monthly expenses being put on it as well like cable and phone bill, ect.I have 8300 in a ROTHIRA account though, to liquidate it and put it into my checking account would incur a 10 penalty I believe. Unless its only supposed to be on the gains its made, which isnt that much, I was putting in like 300 a month for a year or two, and a few large lump sums.Whats the smart move here?  <response>: Dont borrow from your retirement to pay off debt unless you absolutely need to. Id find some way to pay that car off very quickly, or do a balance transfer to a card with an interest free promotional period. 