<prompt> Human: DISCLAIMER: I am well aware of the tax consequences, penalties, fees and potential tongue lashings I will payreceive after withdrawing an IRA for anything other than a first home purchase before the age of 65. Now that we have that out of the way...Im 27, Im getting married this year. I make a good income, 100k in a very high cost of living city, and I am now facing my debts head on.I saved 10 into my 401k at my last job, which fortunately matched 100 of that. I then made some good stock picks in my IRA not recommended, BTW, but here we are... and have been lucky enough to get up to 40k in my IRA.I have about 40k between 5 high-interest credit cards avg 18, a personal loan around 13, an auto loan the car was totaled, not covered by insurance, sucks but only 2 interest rate.Would it be the worst thing in the world to liquidate my IRA to pay down these debts?Im using the undebt.it website created by a redditor, if you are in any amount of debt and want to change that start using today and have a snowball payment plan setup. My payoff date would be about a year, assuming I can stick to the plan.I have considered tackling a few of these debts and then looking for a 0 APR balance transfer once my credit score improves. Yes, my credit score is sub-600 with a 100K income, I know I am an idiot.Im wondering if anyone has ever had this type of thought before. I need to build an emergency fund and I think being debt free at 27, having a good income, and zero retirement savings sounds a bit better than being 40k in debt, having zero liquid savings, and having 40k in an account that I cant touch.Any help or advice would be much obliged, and the disclaimer is meant to be tongue in cheek, if this is the dumbest idea youve ever heard please let me know.  <response>: You said youre debt free in a year without touching it. Stick with the plan. 