<prompt> Human: Should be divorced shortly, and I have about 30-40k coming from ex wifes 401k. I have a truck I owe about 5k on, a credit card for about 2k, and a personal loan under 1k. Id like to be debt free at the end of the divorce, except for my house, but I know that if the money is rolled over into an Ira, Ill have to pay penalties and taxes on it in the range of 30. My attorney says that we cant do a QDRO, but Im not so sure about that. What does PF have to say?  <response>: When its all said and done youd end up paying 12-15k to pay off 8K.My first instinct is to leave it in a retirement fund and pay off your debts with your income...Which brings me to the next question. Will you have a solid income coming in? If you really got after these debts, how soon could you get rid of them? 