This is the Ramsey Call of the Day, part of the Ramsey Network.

Let's go to Chris in Oakland.

Hey, Chris, we're right up against the clock, so get right to your question.

So I start my new job next Monday, and I have, I read the numbers, and I need to pay off numbers and I need to pay off student I want to

pay out my student loan debt and I ran the numbers and it should be I should be debt free in

about 16, 16 and a half months but I do have a quick question so I have a traditional IRA

no no no don't do it don't do it don it. Don't do what? Don't cash it out.

Oh, wow. You knew what I was going to say. That's mind reading. Don't do it, man. Anytime someone says,

I got a pile of debt, and so I have this a retirement account over here. Don't do it. Don't do it.

Okay, do not do it. Okay. No. Get a second job, get a third job, work 20 hours a day, and I'm a maniac about sleep as the cornerstone of physical and mental health.

Work really hard. Do whatever you've got to do. Do not cash that thing out.

There's fees, there's penalties, and on top of that, you're robbing from your future self.

And that is never worth it. So, Chris, will be pissed. If you have non-retirement, you can cash that kind of stuff out.

But if you've got IRAs, 401Ks, don't touch it. Use your future income. What it does tell

me is that you're a gazelle intense. You want to do whatever it takes to get out of this debt.

And that might mean, I'm going to cut stuff in my budget, cut expenses, cut subscriptions, do some side hustles, get a raise, get a second job, and those things

are all great because they don't rob you from your future.

Got you.

What's your new job, Chris?

I'm going to be working as a lab assistant at Stanford Hospital.

Oh, that's shabby place, huh?

Man, we all have to cut.

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