So I am very familiar with the fact that you should never take money out of your retirement. I was raised to never have debt, always have insurance and never take out of your retirement. I followed all that until I had sick kids and a husband that lost a huge amt of his income with the economy. So here we are chipping away at the debt. We have settled two accounts. And now we have an offer from citi for 30%. I told them I need a couple days to see if we can get funds. We will not ask family.


