<prompt> Human: I have about 30K worth of debt of medical and credit card bills, and 401k worth the same amount. I have missed my cancer treatments the passed six months and am homeless, some days are better than others, in the end things just simply arent looking up. With that said, what happens to my debt after I die? Im 43 not married, should I just go ahead and cash out my 401k and try to live off it and ease my pain somewhere safe and secure? Or even better is it possible for me to draft up a will and have that money go straight to my nephew without creditors touching it after I die?Would less money be available if I removed early or if I just gave it away after death? Seems like there are penalties either way, maybe I should just cash out anyways and then give the cash to my sibling? Thanks  <response>: : 3 