I don't see the sense of touching your IRA. As another poster pointed out, after all the penalties and fees, you'll have what, an extra two hundred bucks to throw at your pretty hefty debt?

Let the IRA grow in peace.

Here is what I suggest to give you a way to get the ball rolling on your debt. Make a resolution that, at some time during the month, you will do a clean-up, locate some stuff you're not using around the house, and sell it through your classified ads, amazon.com (for old books), ebay, or even go in with friends for a garage/yard sale. You'll almost certainly pick up an extra several hundred dollars that way without ever bothering your IRA. I don't have any debt but I'll be doing this myself just to pick up some extra investment funds.


Happy New Year!