<prompt> Human: Ive been working as a Project Manager for 2 years now and have already amassed a retirement account worth 17k, my first ever.My wife and I have 3 kids now and no car big enough to haul all of us. I saved up 9k for a downpayment and was playing around with the idea of buying a car for about 16k, financing the 7k through my credit union.Then this crazy idea hit me. Cash in my retirement account, pocket 50 of the money the rest away for taxes and then buy a car in all cash. Itll take me another 2 years to catch up to where I am now, but Im only 31 and still have plenty of time to start saving for retirement.How crazy am I?TL;DR - should I cash in my retirement account to pay for a car, as opposed to financing one via a loan?Edit - ok, financing it is. Ugh, Ive been debt free for 3 years now and I hate going back.  <response>: Why would you be willing to part with 40-50 of this money for taxes when you can probably finance for under 3? 