<prompt> Human: My lease renewal is coming up and my apartment complex has offered me a 5 increase, which in all honesty is not that bad comparatively to the horror stories I hear from corporate complexes... however - nothing is included in my rent. No water, sewer, or trash. So that in addition to the rent is an extra 80 each month.I was talking to a realtor friend who said Im better off finding a private owner. I agree after seeing MLS listings in my area.Here is where the real questions come in:I am barely skating by with my budget, and I have two near maxed credit cards, a car loan, a personal loan from the last time I had to move, and a sick old dog.I am thinking about taking a loan out against my 401k to fund my move that way I am at least owing money to myself and not to another lender. That said, do you think that is wise or should I stay where I am and throw that 401k loan towards one of my near maxed credit cards?Take-home income per month: 2500Rent with increase plus watersewertrash: 1255Loandebt payments minimum payments: 450Necessities Electricity, CarCarIns: 625That only leaves 170 for food and gas... and it scares the living shit out of me.So should I take the 401k loan out would only take out 3000 as its 50 of what I have vested - use it for moving costs to find something cheaper - or use it to drill down the debt and make the monthly payments less? My realtor broker friend said I most definitely should be able to find a place in the 1100 range or maybe even less - or stay the same with that 1250ish figure but be in a much better neighborhood with amenities.I live in the Palm Beach County area - so cost of living is really high, if that helps much at all. My company doesnt pay well... last year I received a 1.7 increase. This year - Im not expecting much more.And more backstory: this is my first time having to deal with all of this... and that debt I have? Left with me after a failed engagement. I feel so down and depressed and stressed about this, I have no idea what to do and ..well.. I figured Id ask here. Sorry if I didnt give enough information - sorry if I was just venting the answer is blatantly obvious... Ugh. I dont know. Thanks for reading though.  <response>: Youre barely skating by at this point because your situation is completely untenable. Youre paying more than half your monthly take-home on rent normal guidance is 30-40 which is the worst part, and your debt load is pretty insane considering your income. You cant afford to live on your own, and thinking that you can is deeply flawed. You need roommates, and thats the best place to reduce your monthly expenses. Sure, roommates can be shitty, but the way youre behaving financially will have you in a big hole in no-time.Im sorry that you feel down about all this, but if you do the hard work required youll be in a better spot both financially and emotionally. 