<prompt> Human: I recently switched jobs. I got a better pay jump, but not by much. I left a job of four years where I invested in a 401k. I have under 5000 in it, and Ive already started investing in my new jobs 401k. This is what Im looking at. I have a bit of debt, probably around 5-6000. This doesnt include my house, only revolving debt. After doing quick math, I believe I could pull around 3700 if I take the 401k. I have another retirement through the military that is closer to 10,000. So yes, Im messing up my future a little bit, but I would be using the money to reduce my debt. I live pay check to play check now, but if I paid of debt, Im looking at freeing up around 300 a month. Ive gotten much better with my money, and have a drive to reduce my debt. Should I pull this money, or roll it into my new 401k? Also, if this is the wrong sub, please direct me to the correct one. Thanks!  <response>: Youre going to pay tax on whatever you take out along with a 10 penalty. Just roll it over into the new plan and work out a budget to repay the debt. 