<prompt> Human: Feeling overwhelmed with some debt and wondering if a clean slate would help. I am 31, and married.Currently I have 16,500 in one 401k and another 41,000 in a different 401k from a previous employer.I have three credit cards at the moment, one for 7,800, another for 4,900, and lastly one for 6,900. A total of around 19,700. Would it be wise to take some out to help get out from under this. We have other debts like a mortgage, car loan, etc, and looking to become better at personal finances.  <response>: No, cashing out your 401k would be a terrible idea. If you post a complete list of your assetsdebt with rates, terms, and minimums and your income and expenses we can help you make a plan.With no further information, my first thought is that a home equity loan would be a much better approach to the credit card debt. But you also need a plan to address whatever got you into this debt in the first place. 