<prompt> Human: I have about 18k in my 401k from my previous employer. I have 2k in my 401k under my current employer. As of now, I am contemplating rolling the 18k into an IRA, or taking an early withdraw with the penalties, and using the remainder to wipe away my debt.  <response>: I agree with jpmoney, taking money from a 401k is a classic mistake. If you dont take money from the 401k how long would it take you to pay off your debt, and what interest rate is the debt at? 