 My big fear is that you're under the age of 59 and a half, and therefore you'd have to pay not just the taxes that would be due on the 401k, but also a penalty. And I'd love to avoid that. At some level, I may or may not convince you of what is the right thing for you, but at least I want to talk about what options you have. And I really think that that's the most important thing here. I know you want to be rid of this debt.