<prompt> Human: Basically, I have about 2500 in my 401k that my company is asking to rollover or take a payout. They say theyll take an immediate 20 out of the check if I cash it out. I have roughly 8k in credit card debt averaging around 25 APR.Thanks!  <response>: Youre going to get hammered with tax and penalty if you withdraw early. Id probably leave that alone, but instead of signing up for the 401k at your next job, work on paying down debt. 