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So we've gotten ourselves into a situation, and we're wondering what's the best way to get out of it.

So we are looking to see, is it makes sense to pull 401K to pay off a he lock.

How old are you?

I just turned 40 on Saturday.

Happy birthday.

Happy big birthday. That's a big milestone.

And also, please never do this.

I know.

Happy birthday. Don't do it.

I understand you've got this big helock and you're looking for some kind of shortcut to go, how do we get out of this helock?

But what you're doing is robbing your future self with penalties and fees on top of that.

I would just treat it as a baby step six situation, Jillian.

I would, because how much do you owe on your house mortgage-wise?

So mortgage-wise, we're like $4.50, which it's only 2.5%, but the He-Lock is like 8.5%

the payment is chilling us. Yeah. Yeah, how much you guys make a year?

Which sounds like a lot. It is a lot. Around $350,000. Okay. Yep. It is a lot. But when you're drowning in

payments all over the place, it doesn't feel like a lot. Yeah. We're cutting back as much as we can.

And obviously, we need to make changes. What was the HELOC for? A house remodel in a pool.

As one does. It's the American way. Okay. Any other debt? We have a credit card. I have a

business that I just started, so I have like $18,000 in a credit card. But other than that,

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