<prompt> Human: Current situation: 35M34F, 101K, 5K revolving CC, owe 20K on recent vehicle purchase. FICOs 690. No budget, no savings, both a bit impulsive.My 35M first job out of college was in public sector, worked 5 years, during which time I had contributed about 5K to the pension fund. Cashed out when I left, paid off some debts. Next job, public sector, worked 5 years, contributed 25K. Left 3 years ago and havent touched it. Unfortunately that means it also hasnt accrued any interest. My current 401k is at 30K, and Im contributing 8 for max match. Ive considering rolling the old pension to an IRA, but Im also considering cashing out, taking the 5K hit, and using it to jump-start some real savings, then bumping my 401k to 10 or higher?. I realize that cashing out is generally a dumb decision, but I feel like the psychological impact of just having the money as a safety net and budget buffer will make me feel better about budgetingsaving in general. Or am I just an idiot?In either case, I know we need to budget. I own YNAB4 and have set it up twice, but failed to stick with it both times.  <response>: Im also considering cashing out, taking the 5K hit, and using it to jump-start some real savingsTypically the best way to start or continue saving is to not flush thousands of dollars down the toilet. 