<prompt> Human: I am 28 and about to find a new job. Expected salary is about 55,000. I recently bought a condo and pay 1000 a month all together. 15 year mortgage. basically cleaned out my checking account buying this place. Ran up some credit card debt on home improvements and furnishing the place 4500Got 15,000 sitting in a 401k. Make sense to take out 5k when I switch jobs to become debt free other then mortgage  <response>: Is the CC at an obscenely high interest rate? If not, then just pay it off. Taking out of the 401k incurs taxes and penalties, not to mention that it hurts your retirement outlook.4500 isnt all that much - you should be able to pay it off in 9 months, easy. 