<prompt> Human: Hello rpersonalfinance! I am 27 years old, graduated from undergrad in 2009, and will be starting an MD program this summer.I will be leaving my employer of 4 years. I have NO savings outside of retirement, and I was the first in my family to graduate college, so I will most likely be paying for med school with loans, Average indebtedness for an MD is 180,000.I have a Roth IRA with about 6K or 7K in it, as well as a pension with about 10K-15K in it. When I leave my job, should I withdraw my pension to help pay for medical school? Or should I simply roll it into my IRA? Will the interest I save on my huge loans be worth more than the money will be in the IRA in 40 years?I also have a car payment might sell it before school, unless my SO takes over the payments and very minimal credit card and student loan debt. I will have no credit card debt at the start of school I am confident. I have about 8 months where I will have about 1000 to put towards debt or savings per month.Any advice on my retirement or any other tips for my situation are greatly appreciated.Thanks!  <response>: Do not raid your retirement account to pay for school. Full stop. You can borrow for school. You cannot borrow for retirement. 