<prompt> Human: Throwaway here. Hope that is OK.As the title says, I have a large amount of debt that I am getting sick of paying off every month. My father passed a few years ago and that is where I ended up accumulating it from moving expenses for my family, etc. I make 43k a year and I am considering paying down my debt using my Roth savings. I am aware of the tax penalty for doing so, but I feel like I am not saving any money right now, since after rentutilities and debt payments Im left with enough money for groceries, gas and the like.My question - is this a smart move? What would rpersonalfinance do in my situation?  <response>: No, dont cash those out. Youll pay too much in taxes and fees to make it worth it. Do a budget and find a few places to cut your lifestyle. 4k isnt really that much debt. 