<prompt> Human: Hello everyone, first time poster here. I just need to vent and get some advice on what to do in my situation. I currently have a stable job that pays in the low six figures. The work environment is ok, the people like me, flexible schedule, and the benefits are great. A few things here have irked me however. No pay raise in five years and Ive been given additional work and responsibilities over the years. I can handle it though, but I hate the fact that I am a backend database administrator that has to field 1st level support and end user training work too. In any case, my dilemma is this. I am in my early 40s with three young children. I have eight years left on a mortgage, 5,000 in savings, and 3,000 in credit card debt. I live in a low cost area but cannot save money. I am thinking of quitting the job, selling the house, and moving to a different state to be closer to family. I would pull out my 401K. This would let me start fresh and clear with about 200,000 cash. I am confident that I can also find another job right away that would pay 20 more for my experiences and skills. So do I just start over or struggle and try to keep things afloat where Im at? What would you do?  <response>: You make over 100K, have CC debt in a low cost of living area and cant save money? Sounds like more of a budget issue than anything. You should almost never leave a job without another one lined up already. If youre confident you can find another job for 20 more, why not just get that job first, then when you have an signed agreement to start you can give your two weeks to your current employer? No reason in the world to burn a bridge after 5 years by walking out like that. The whole moving closer to family thing is another issue entirely, if you want to move closer, than find a job out there first, and do it. But dont do it because you want to start over with your entire house budget in cash. Judging from the fact that you cant save any money on 100K in a low COL area you might not do so well with sitting on 200K in cash and no job. 