<prompt> Human: My wife and I have about 11,000 left in in combined debt student loans, credit cards etc. My wife recently took a new job, and we both make good money but at cant seem to shake this last 11k. I have about 45k in my 401k. Should I touch this and pay off my debt? Im a complete finance idiot so please help.  <response>: Dont touch the 401k.You should create a budget, reduce expenses, and get rid of the debt starting with the highest interest rate debt first. 