<prompt> Human: My wife and i are in debt. 15,000 worth of credit card debt between 2 cards. Sort of lost on me how it got to this level but, here we are. She is also soon to stop working as we have our first baby on the way which will kill our income even more. We need help, any and all advice would be welcome. The plan going forward is to use our income tax money withdraw a couple grand from her retirement money and drop about 5 grand to clear 1 of the credit cards out. Any advice?  <response>: I dont think this is a big enough emergency to make a withdrawal from your wifes retirement account. I would just tighten the budget and throw all extra money at the credit card debt until its gone. 