<prompt> Human: Im looking for guidance on a big decision. I have enough money to pay off all unsecured debt, perdominantly student loans, in my and my wifes name. Some of that money would drain our retirement account, yes I realize and have calculated the tax liability. So, my question is this, should I make us essentially broke, we could still live ok, with a projection of about two years untill we are back to the place we are now with assets, or should I leave our assets in place and live like we are broke for three and a half years at which point we could snow ball and pay it all off. We are both mid thirties and the only debt we would have left is her car and a house.I appreciate any advice you can offer and thank you for your time.  <response>: You dont touch retirement accounts. End of story 