<prompt> Human: I am a cancer patient with about zero prospect of reaching retirement age. I am thinking about cashing out my 401K about 30k and paying off my student debt and car loans. Apparently the student debt cannot be discharged upon my death and they will likely transfer the burden to my wife. I am the sole breadwinner with my wife only making about 20kyr and she would never be able to pay my debt plus her own. My other option is to be more selfish and use the money to move. I dont want to die in the state I live in, so I can move to my final dream home. Id use some of the money to improve my current residences curb appeal to get it sold and the rest as a down payment on a new home in a new state. I am also a Vet and can get a VA no down payment loan again, so I am conflicted on the best course of action. I would embrace some advice and maybe a few ideas I hadnt thought of. Assistant: Off topic: Have you checked with the VA about your cancer? Could it somehow be service connected? Are you 100 service connected disabled? If so, all of your current dependents could go to college and receive 987.00 per month. Im sure youre aware of this, just wanted to spread the word... Human: Still fighting that battle. I have a letter from genetic testing that says with 96 certainty that my cancer was environmental. Meaning I am not genetically predisposed to cancer and my family history backs that up. The only place I would be exposed to environmental contaminates would be 10 years of Navy service. Asbestos, Chemicals, and radiation, as well as being a Desert Storm Vet ground forces and shipboard are likely causes. VA doesnt agree.  <response>: That, man, thats a terrible shame. I hope that situation turn around for you. I know how comforting it can be to know your family is well off. Keep fighting with them, if you feel up to it. I know their system goes deep, but someone there might see your side of things. 