<prompt> Human: Need some advice...44 years old, good career path, 100k income. Cc debt of 23k that Ive been trying to pay off forever but its not happening. Should I take an 8k loan the max Im allowed from my 401k at 3.25 interest to pay off 13 of my cc debt?Cc interest averages 16. Total retirement portfolio 90k.  <response>: You are already behind on retirement savings, dont make that situation worse.Why do you think youll be able to pay it off in under a year when you havent been able to yet? You need to come up with a reasonable plan and stick with it. Assuming you get paid 2x per month, IMMEDIATELY pay 750 to one of the cards THE DAY you get paid. That will dig you out of the hole within 18 months.Perhaps you charge all of your monthly expenses to a single card that gets paid off in full EVERY month with no exceptions. The other cards sit in a drawer unused at home. Check the balance on this one card FREQUENTLY. THINK about what you are charging to it. If you wont be able to completely pay off this ONE card that has only NEW expenses, AFTER you pay 1.5kmo to your unused cards you cannot afford whatever you WANT to charge.Xmas, vacations, guests, etc are not emergencies. You cant afford to spend more than trivial amounts on any of them right now. 