<prompt> Human: Just like the title says, I have been thinking of taking out what little I have in my 408k 5500 and paying down all of my credit cards to around 10. Then with the jump in credit score I would secure a loan for a house. Is this a good idea? Im 33 and that is my only retirement fund.  <response>: It sounds like you are nowhere near ready to buy a house.You will pay top, marginal tax rate PLUS a 10 penalty. Its rarely worth it, unless you are in a really extreme situation. 