<prompt> Human: As the title says, due to life circumstances over the last 10 years, Ive managed to rack up 25k over two credit cards. I have no other debt. Car is paid off, I paid for Uni outright, and I rent my home. Im not in danger of missing any payments, I recently took a new job that pays significantly more money than the place I was employed for the last 8 years, but my 401k from this past employer is taunting me. I know that it would be a pretty serious tax hit, were to I to take the 38k out of my 401k, but doing so, after taxes, would allow me to pay of ALL of my debt in full, and to start over. Im in a much more financial stable situation than when I incurred this debt, have a better paying job, and short of an emergency, would put the monthly CC payment money about 600 into savings every month from here on out. I feel like I could rebuild my 401k and then some, by taking a hit now. My alternative is to slowly pay off the debt over the next 4-5 years month to month, which seems like an eternity, and I still wouldnt be putting anything aside for savings even if I did this. Pros and cons to this? Is this another stupid financial decision?  <response>: No, just save up with your new, higher paying job, and pay down your credit card debt as fast as you can. 