<prompt> Human: My wife and I are are sitting on over 65k in credit card debt. Its grown slowly and quickly over the last few years, and now we can barely make ends meet after making the minimum payments. We also have a combined 100k in retirement savings. I know Im never ever supposed to dig into my 401k, but maybe now is the time? We own about 15 of our home, so we cant refinance or borrow against it. We want to sell, but in order to break even we have to do a little work on it that we cannot afford.I know that killing our retirement funds is risky, but if we get back the 1800 a month were spending on credit card minimums, we can rebuild our savings fairly quickly, and ditch this mounting anxiety that it wouldnt take much of a push for us to end up losing everything.Edit: How did we get here? We had kids, we took our eye off the ball, we temporarily had to manage two homes and a very expensive childcare arrangement which have since been alleviated. No, we werent the most responsible, but we werent reckless either.  <response>: Its grown slowly and quickly over the last few years, and now we can barely make ends meet after making the minimum payments.Why has this happened? Why did you spend more than your income year after year? Thats the root of your problem and if you cant fix it you will wind up right back to the same place except with less in your 401k.You should seriously consider a structured debt management program. 