<prompt> Human: We just eloped after 7 years together a few days ago hooray!. But neither of us has savings and basically live paycheck to paycheck because of credit card debit. Hes been at his job almost 8 years and I just started in a new industry low pay for our area but together I think we make 83,000 before taxes? He pays into a 401k and our thought is to take out a loan from his 401k and pay off our maxed out cards probably about 12kAfter the debit is gone we are looking at him doing a Roth IRA and me starting some kind of savings. We have one car between us, its paid off, we rent in a crappy neighborhood so its mostly cheap.Question is:Is taking a loan from his 401k the best option? Weve tried other avenues but our interest rates keep our cards almost maxed outIs a Roth IRA a good way to go with not a lot of money to put towards it?Thanks anyone for insight!  <response>: I think there are situatiosn where contributing to a 401k is not the first priority. This is one of them. A loan on the 401k is a terrible idea. Instead, stop the 401k contributions and take that extra money and pay it to the loan. Consider a side gig too. Uber? Turo? Transcribing? Or do you even need a car? Sell the car and pay off the debt. Buy a bike. 