<prompt> Human: Hello! and HELP!!!I am trying to figure out how to best manage my money as well as make sure I withhold enough for taxes. I am wondering what kind of professional I should seek out to help with this.Here are the current changes to my status that I think would effect taxes: I got married in 2016 I am in the process of buying a home that is through the current owner I am withdrawing funds from the following types of accounts to supplement paying the down payment: - My IRA - a loan from my 457 plan - My wifes 401k w an employer she no longer works for Once I take ownership of the house, there is a renter on the first floor who will pay rent to me. How do I handle the incoming money from his rent and how do I handle expenses on the house. - are there certain parts of the house that are totally deductable on taxes? do I ahve to do a percentage?I also own a boat. I would like to start a small business making sailing instructional videos maintenance, how to sail, product reviews, etcWho is the best type of professional person to talk to to help manage all this?edit - Note that the retirement withdrawals are to supplement the down payment as I already have 50,000 saved to pay the down payment independent of the retirement accounts.Assistant: What is your income? Do you own the boat or do you have a loan for that already? Is the owner of this house doing seller financing or are you getting a mortgage from a bank?Human: Combined income 230,000. House price 610,000. We own the boat outright. Currently have 0 debts.The house is owner financing. We would get 1200 a month from rent downstairs.  <response>: Sounds like you have enough to buy the home and do whatever you wanna do, so Im not gonna join the people telling you to sell the boat and not buy your home. However, taking money out of your retirement savings in the hopes of reducing your monthly payment is a BAD idea. Did you do the calculation to see how much in taxes and penalties youd pay vs how much youd save? And dont forget to factor in the opportunity cost of compounding in the retirement accounts. 