<prompt> Human: Hello, I 30 F own a condo in a 16 story building. I am a full-time Masters Student with a part-time retail job. My Condo building is falling apart and needs about 3.5 million in repairs. My portion of this is an 18000 assessment due on June 11th we just received the bill April 11, 2018. If we do not make the payment, the HOA will take out a loan in our name for about 6.6 and the monthly payments will be 370. nbsp;My insurance said that even though I have Assessment Insurance, this type of damage is unlikely to be covered because it is due to wear and tear and poor workmanship.nbsp;Luckily, I had a comfortable savings from my years in the work force and some life insurance I received when my mom, passed away. I need help deciding where to take the money from and what is the safest way to pay this bill and stay financially sound. nbsp;Here is a complete picture of my financial situation nbsp;Income:nbsp;Work- 900monbsp;Roommate- 700nbsp;Parking and Storage space rentals- 110nbsp;Expenses:nbsp;Mortgage- 760monbsp;HOA- 520monbsp;Groceries Gas: 300monbsp;Savings:nbsp;Emergency Savings: 10000nbsp;Savings for a car replacement: 3500nbsp;401k: 30000nbsp;Roth IRA: 50000nbsp;Stocks aapl: 10000nbsp;I can wipe out my savings and some of my stocks and just be done with it, but then if something happens I have nothing to fall back on, because I wont be able to replenish my savings for at least a year. I am already at work, school, or internship every single day of the week and do not have any additional days to work. I can also take out a loan against my 401k, my company will allow me to pay it off gradually 200mo and all the 5.75 interest goes back to me. nbsp;Any opinions on the best way to move forward safely? nbsp;Edit: Side note: I also have a chronic illness that makes medical emergencies highly possible  <response>: Not sure if its better than the 401k loan but you may want to see if you can get a Home Equity Loan against the equity youve built up in the condo itself.If you have a bank or credit union you can see what kind of rate you can get there and compare that to the 5.7537; interest to see what makes the most sense for your situation. 