<prompt> Human: Hello Everyone,I am a 30M and have roughly 40K in CC and Student Loan Debt. Based on some other posts I know this isnt as crazy but with my wage I basically just get by every month. Im not able to save or make bigger purchases like a newer car and Im wondering how to get out. I thought about taking some money out of my retirement to pay off some debt and I justified that in my head because I will be receiving significant inheritance in the coming years. The stipulations on pulling from my retirement are pretty strict and I dont know if Id even be able to do it without getting a new job and just not carrying it over.I used to carry a little bit of CC debt but I had some medical procedures that werent covered by insurance that I had to put on a card and then I did some home improvements that I thought would pay for themselves shortly and they just kind of piled up as well.What should I do? What can I do?Thanks.  <response>: Youll get more useful advice if you post your debts, interest rates, minimum payment, monthly income, and monthly expenses. Otherwise, the only advice anyone can really give is, Spend less, earn more. 