<prompt> Human: So Im 24 and I amrelatively naive with money decisions. I had a full-time job that allowed me to use Marylands teacher pension system up until I left the state a few months ago. I have about four years to decide what Im going to do with the money about 7800 or it gets taken by the state, apparently.I know if I withdraw the money, its going to be about 20, but I also have about credit card debt that Ive been paying off for years. Im down to about 4,000 now. These payments cost me about 325 a month, and paying off them prevents me from saving or having any wiggle room in my expenses. My current job is technically a temporary position and is not currently withdrawing any retirement funds to my knowledge and my position does not allow me to roll the funds into their pension system. So even if I were to keep the money, I dont even know what I would put it in.I know I would loose some of the 7800 to taxing, and since this is 6 years of savings, I hate to be callous with it, but the idea of getting rid of my debts once and for all is very tantalizing. Any advice?Edit: Added tax percentageEdit 2: So it seems the overwhelming majority say to reinvest it, so Ill be looking into IRAs now and save for the future.Assistant: Can you roll it into an IRA?Getting rid of debt is good as I imagine the rates on those credit cards are in the 20 range. You should only be taxed as if it were income since it went in pre tax.Human: I have four cards that range between 9.6 APR and 24.6 APR, so yea it gets pretty steep for the higher two. They were mistakes I made when I was 20 and Im still paying for them..And yes, I have the option to roll it into an IRA.  <response>: Def withdraw and pay down as much of the 24.6 as you can 