<prompt> Human: Im thinking about pulling out my retirement funds. I wish I didnt have to, but I cant breathe right now financially. Im recently out of work. Im 24 and have about 10k in credit card debt, nothing in my personal savings and have a wedding to plan soon.I have about 32,000 in my retirement fund right now. I know about penalties and taxes but its better than nothing. Yet, its something Im not the proudest of and when Ive had to talk to people about it tax professionalretirement account reps I hear a sigh or hesitation. But I want to get out of this crushing feeling. I have NO emergency fund. My fiancé and I are ok for the time being, but thats not going to last for much longer.What do you think? Is this something I can recover from? Is this something Ill regret? Edit: Before I get slammed with eye rolls about a wedding: We dont want a big wedding. Were not over the top in any means. Its just another aspect to consider. Its not top of the list, but it is important to us. Obviously finding a job is number one.  <response>: Lets run the numbers on the opportunity cost of spending that money.You have 38 years until you are of retirement age. If you assume a 7 return, which is reasonable if not conservative given historical data, in that time, assuming you never contribute another dime, that 32000 will be 418,537 before taxes. Does that seem like a lot? Dont believe me? Check for yourselfOr you can spend it now and its gone, and you paid fees. 