<prompt> Human: My wife lost her job on December 29th. We had to close out her small Roth IRA 6k after taxes to pay bills so we dont lose everything we have a mortgage, typical monthly bills, and 2 children under 3. She has applied to many jobs, and had a couple interviews, but still nothing definite yet. Ive always heard that being on unemployment hurts your chances of being hired. Is there any truth to this? Are there any drawbacks to being on unemployment?  <response>: Yes. When unemployed you should always file for unemployment. Its there for a reason and if you have it available to you to help between jobs you would be foolish not to. 