<prompt> Human: Hi allIm 33, currently employed making around 50k per year. I have accumulated about 13k worth of high interest credit card debt. I have about 5k cash in the bank. I have a 401k from my last job that has been sitting there for about 2 years now with 11kish in there. My payout would be 8640Im also looking to sell my home which I have 40-50k equity in and purchase another. My current lender has attached contingencies to pay off 4 of my accounts that total about 6700 to get the loan. Ive been denied by other lenders due to these balances making me credit score dive.I also have a 401k with my current employer of 1.5 years. I contribute 3 to get the full company match, and its skyway worth about 5k. My thinking is im young enough that 10k in a 401k right now isnt a huge deal and the credit cards are snowballing faster than the 401 is growing, so it makes sense to get it taken care of. Original plan was to use the funds from selling my home, but Im now considering this as well. I also feel like this will give me more options on my home loan. Thoughts?Thanks!  <response>: Dont cash out. Roll it into your new company sponsored account. The money you put in in the first half of your working years is the most important. Ideally between your contributions and company match you want to put in 20 per year. Find another way, any other way, to pay down those cards but dont touch your 401. 