<prompt> Human: Hope to keep this concise:Im a contractor working overseas earning 200k compensation preparing to transition back to the U.S.I own a home and land worth approximately 90k. I dont want to sell the land, but would if I needed to and am open to taking a mortgage if thats advisable.I have approximately 340k in retirement savings 401K.I have around 60k in liquid assets cash at my disposal.I have around 30k in revolving account credit card debt.I expect to secure employment at around 140k compensation bonuscommission. This is a considerable hit to my income, especially given the loss of the foreign earned income tax credit.Im a veteran, and first time home buyer my home was left to me from an estate. Ill need to buy a home in my new location.My current credit score is 680 due to the high balances on revolving debt and no mortgage history.My question is: Should I consider a debt consolidation loan to preserve my cash for use during the transition and raise my credit score? Should I use some of the liquid cash to pay down the debt? Or, should I hold where I am and regroup following the movetransition? Or - something else entirely?Open to recommendations, and thank you in advance!  <response>: just pay it off. that would leave you with 30k cash while you transition. which is more than many people asking for help on here make in a year. 