<prompt> Human: So a big change has left me clueless. Although when it comes to personal finance Im just terrible at it anyway.I had a great job makeing 110k - 130k but the owner sold it off any left us with nothing.I have built up 165k in the 401k and it has to be either dispersed or rolled over.I have a house worth 230k owe 140k on it.A truck worth 25 owe 6Own an old beater SUV outright6 k in school loans.The real problem I have is that the wife and I through some medical issues, kid issues, and poor decisions have racked up 40k in credit card debt.In the old job I was getting by monthly ok but not doing ourselves any favorsFinding a job to replace my income will be near impossible without moving which we dont want to do. And I havent found another job yet going on 2 months looking.I dont know what to do. It looks like to me I should eat the bag of shit Ive made and take a disperse not to pay off the debt and try to roll anything left into some type of ira?Im very lost on this any advice would be appreciated.  <response>: Roll over the 401K into a new account. You could open an account with Vanguard. Dont spend any of that money, youll basically give half of it to the government in penalties. It is UNTOUCHABLE. Got it? This is basically the one thing youve done correctly, so dont screw it up. The good thing about credit card debt is that it is unsecured, and it can be dispensed of in bankruptcy if it comes down to that. Two months is not a long job hunt. Finding a job is your new job. Everything is on the table, including moving. Network with friends, competitors, any industry people you can think of. Getting the word out is hard when youre embarrassed or stunned about a job loss, but do it anyway. Tell everyone you know, see, and meet, that you are looking. Best of luck. 