<prompt> Human: Im only starting to really track my spending again but Ill try to break it down to be as helpful as possible. My situation:31, unemployed for most of 2017, just started working again making 42kyear in the north bay, California. Only started two weeks ago so I havent seen what a paycheck looks like. My rentutility billsgascar ins with roommate are about 1200, 450 on top for student loans 42,500 outstanding after 8 years paying it down split across three loans, half at 6.25, half at 5.25, 1500 on credit card. Ongoing health problems add additional docmedication costs that fluctuate but will probably wind up at about 150month. Food is probably 250mo. Coming out of 8 months of unemployment, I have NO savings. I know Im forgetting things but hopefully thats enough. I just got a notice that theres 5400 sitting in my 401k from my old job. I know this isnt much, but also Im becoming increasingly desperate to get out from under the burden of my debt so I can start livingsaving instead of paying down endless interest. I know there is a penalty for withdrawing early, but would it make sense to take the hit and pay down 4800 in debt? This would eliminate my credit card set and the smallest of my loans, allowing me to put their payments toward laying down the two big ones. I hesitate because I DONT have any savings besides this little 401k, and eating the penalty might not make it worth it, but I dont know enough to make the decision. Any thoughts? Edit: typos  <response>: No 