<prompt> Human: Hello everyone!First post on Reddit for me. Im looking for some advice. I was fortunate that when my father passed away he left me a aging paid off house and about 250k in a retirement account. The house is beautiful but really needs a new kitchen. We have got quotes around 50k for what we want. I would really prefer to update several parts of the house including a new driveway. This would be around 150-200k. My wife and I make about 180 a year. At the moment we are able to save about 800 a month after we pay for child care, care payments, and what not. So should I pull out the money from the retirement account eat the taxes on it which will be 30-40, refinance the house and get a loan, or just deal with it?Any good advice would be greatly appreciated.  <response>: How the hell do you only have 800 left each month if you guys make 180,000 a year and dont have rent to pay? Maybe cut your expenses first?And no dont take money out of the retirement account that is mind-bogglingly stupid. 