<prompt> Human: I have 36k in available stocks and another 28k unvested. I have about 5k in the bank. I also have 250k in my 401k.How do I get out of debt? Use my stock money to pay off as much as my CC debt thats accruing interest? Borrow from 401k? Keep doing balance transfers to avoid interest? I feel so out of my element here. Let me know if more info would help. Thank you.  <response>: Why are you even doing upgrades to begin with. Its not like you have to do upgrades just because you bought a house. Just stop that shit. Live in the house as is until you have money to afford upgrades.Scale back contribution to 401k to only the amount which is being matched by your employer and then direct all available spare cash to paying off the CCs until you get all of them down to zero and then keep them at zero. Definitely stop with the dumb idea of putting upgrades on your CCs.Best case scenario the only thing you put on a CC is a repair to a critical broken thing. Really, you want to not even use CC for financing then either. Putting housing expenses on CCs is last resort anyway, _especially_ if that expense is a _luxury_ like an upgrade.Do the balance transfers that you gotta do to focus your money on balance owed, and then just dont ever carry CC debt again beyond that point. CCs are something you pay off every month, not some thing you use and carry a balance on just because it lets you live better now.Really, you need to basically change the whole way you are doing everything financial. Realistically, you probably only got as far as you did because you probably have a high enough income that its hard to make such bad decisions you sink your own ship. You really dont want to let that carry you, though, because if you lose that job then your bad choices catch up real fast and they hit you real hard.You must be pretty smart to get an income like that, so direct it towards learning the basics of personal finance. After that, learn more. After that learn more again. 