<prompt> Human: Background: I had a Vanguard 401k retirement account with my previous employer for a little over 4 years. I was laid off in June, so now the money is sitting there. Between the 2 accounts, I have 32,474.87 - Im about to start a new job that has a 401k program setup with no matching. Understanding that if withdrawn, It will take away 20 and an added 10 penalty, its still about 23k. I have no savings to speak of 400, and am slowly paying down a total of 122k in debt - student loans, car loan, credit cards.My biggest question is what to do with my 401k - see what the new company offers and roll it over? Roll it over into a personal IRA or withdraw it? Secondly, Id like to own and will have a higher income beginning in September. Looking at mortgage calculators, it looks like I could afford the monthly payments on a 300k and below condo in the Los Angeles area. Looking to my friends at Reddit for advice. Take it away.  <response>: No, save up for a down payment yourself. Youre stealing from your future self, and at a huge cost as well. 