<prompt> Human: I am 25 years old with 6,000 in credit card debt. I have 4,000 in savingsemergency fund and 4,000 in my 401k. I just accepted a job offer with a new company so I need to decide to roll into a IRA or cash out and tackle my debt? I dont really want to use my savings as my monthly bills are roughly 1900month so that is a very narrow emergency fund. My monthly income is roughly 2500mo net currently and will be 3200 when I start my new job. Thanks in advance!  <response>: Live off your old salary and use the difference to pay off the debt. There are penalties for cashing out your 401k that wouldnt make this idea worth it. 