<prompt> Human: Until May of this year, I lived in New York with my mother, an emotionally abusive alcoholic who has been financially unstable for most of my life. In January, when she got fired from yet another job, I decided that I couldnt live with her anymore. I was working in luxury retail management at the time and was making enough to make ends meet and save a little bit, but not enough to accumulate any substantial savings or live on my own. So I decided to move from NY, about 25 miles away from NYC, to a college town in FL to room with my cousin who was planning to rent a house near the campus where he goes to college. The plan was to live in a lower cost of living area for a while so that I could save enough money to go back to school eventually. It didnt work out that way at all.As soon as I got to FL I started applying for jobs. About a month in, I got terribly sick with a combination sinus infection and tooth abscess. This illness sent me to the emergency room which resulted in a 2500 hospital bill since I was between jobs and uninsured. About two weeks after my illness, I found good job that I love, but is not as high end or well paying as the stores that I used to work at which dont even exist out here. Right now Im making about 40 of what I made in NY, and am falling behind on all of my bills Ive been looking for either a part time job or a higher paying full time job, even though I really love and dont want to leave the job Im at. The economy is shit out here though and Ive been job searching for about 4 months to no avail.In the meantime, Im drowning. In addition to the 2500 that I owe to the hospital, I accumulated 5000 in credit card debt over the past few months, mostly from groceries. Theres another 2000 in various other credit card debts that I cant even think about right now. I have student loans even though I didnt finish college. The worst part is that I owe 8500 on a car that was repossessed a few days ago because I havent been able to make the 275 per month payments. I tried to negotiate with the bank that gave me the loan, but they refused to negotiate because this was my second repossession. Now I still have that debt and no car. Where I live, the city bus only runs until 6:00 pm Mon-Sat and not at all on Sundays. Without my car I can barely get back and forth from my first job, let alone find and hold down a second. In order to get a higher paying or second job, I need to have a car. I have about 10k in an old 401k. I know Im not supposed to touch retirement funds, but its the only money that I have available to me as I have no friends or family I can ask for help, and I desperately need a vehicle if Im going to be able to work the way I need to get out of the trouble that Im in. I intend to drain the 401k, setting aside any money that Ill need for tax penalties later, then use it to get another car. I have no idea how to go about buying a car in cash, or in general really, so any advice anyone has here would be greatly appreciated. Also, at this point I am seriously considering filing bankruptcy. The money in my 401k, while it may be enough to solve my transportation problem, isnt going to solve my debt problem or lack of income problem. I know that bankruptcy adds a dark mark on your credit report pretty much forever, but the way things are going for me Im going to end up homeless on the street at some point, so maybe bankruptcy isnt the worst thing that could happen to me. Does anyone have any advice or know what I should do to fix my dumpster fire of a financial situation? And please dont say get a job or go to college or make better decisions because I know that already and Im looking for more immediate, actionable solutions.TL;DRI moved from a high-cost-of-living area to a low-cost-of-living-but-poverty-wages area and am finding it impossible to make ends meet. Have been looking for another job but recently lost my car to repossession in a city with almost no public transportation. I plan to use my 401k savings to obtain another car but have no idea how to go about this considering my clusterfucked finances. Also want advice on whether or not I should just file for bankruptcy.  <response>: I accumulated 5000 in credit card debt over the past few months, mostly from groceries5k in CC debt in a few months mostly from groceries? What were you eating? You need to give a detail list of your income and expenses. 