<prompt> Human: So I got in a wreck a few days ago. And unfortunately I only had liability I know, I should have had full coverage. Originally it looked like it was only cosmetic damage but then it started having issues. My mechanic is saying the transmission is fucked. I havent gotten an exact quote but its looking like it will be around 1500 to fix. Not counting cosmetic damage which is about 1800.I got a new credit card with a 4500 limit and 0 interest for 15 months. But I remembered I still had a 401k account with 3300 in it from a previous job. If I take it out Ill get 2660 after taxes. Im just not sure which option would be best. I could potentially pay off most of my vehicle damage with little debt to me at the costs of losing that amount in my 401k. My current job doesnt match which is why I havent rolled it over. I work for a contractor company and waiting to get hired on with them because they promised me a job soon and they match up to 7.  <response>: I would use the credit card and pay it off before the 0 interest rate is up.I would also roll over the old 401k to your very own IRA individual retirement account. I would open that account with an institution like Vanguard or Fidelity. What you will have then is the option to invest in diversified index funds for very low fees. The options of your old 401k are probably worse, and the fees are likely higher. So I would roll it over. PS wikipage on rollovers: 