<prompt> Human: Hello reddit ,Thank you for taking the time to read this. I am getting married in July and I would like to start afresh on my new life with my future husband. I have a couple of questions with my terrible finances and would like to get some clarification on how to proceed aka get my shit togetherHere is my situation;I am a foreign national in Michigan, currently working on a H1-B visa work visa-this is important to know because I may not want to live in the United States till my retirement. Last year, around March 2014 I was laid off from my full time job and was out of a job for about 4 months. While I was in between jobs, I incurred heavy expenses of approximately 10000 and have now managed to bring down my credit card debt to 4000 by digging into my savings and 2014 taxes returns. I have been employed for the last 6 months now and this is currently my financial statusAnnual Income: 52000Monthly Incomeafter taxesinsurance etc. : 2400Debt: 4340 on a 0APR Credit card till June 2016Monthly living expenses: 1500401k - 6614 With my wedding being in India in July 2015, I am going to incur more expenses in the next few months at least around 2500 with ticket money, bridal trousseau shopping etc. and it hurts to think that I am going into high debt again.My fiance has a 6-figure job in NYC and is extremely proud of how far I have come so far and is willing to help with some of my bills and expenses. I personally do not want to burden him with my frivolous spending and bills and would like to fix this big burden on my shoulder myself. Here are some of the areas where I need advice:When I had a fulltime job, I was putting in 4 of every paycheck into the company sponsored 401k free money! and my 401k currently stands at approx. 6600. I have not transferred my 401k from my previous employer into my new employers 401k OR into an IRA. I am wondering if I should take out the money from my 401k and pay off my current remaining debt once and for all. Is this a good idea? What is the best thing to do with this money thats just sitting in my 401k ?TLDR: Have a debt of around 4350 and a 401k from previous job that I havent rolled over approx. 6600 . Should I pull out from 401k and pay off debt or ... ? Edit: Grammar  <response>: If you withdraw from your 401k now:1. 6600 minus 10 for early withdrawal penalty.2. 6600 minus your marginal tax bracket 25 for individualsSo your 6600 withdraw will end up as 4290 in your pocket. I wouldnt do it. What I would do is to outline a budget and pay off your CC debts, starting with the highest interest debts first and min on the rest. Google Avalanche method.You may not plan to stay in the US until retirement but you never know. I would at least rollover your old 401k into a Traditional IRA in the mean time. 