If the leak is localized to one area, maybe it would be better to fix the leak instead of replacing the roof. Then cut up the credit cards. Pay them off. Save for a new roof. Pay for the new roof after you've saved enough.Whatever you take out of your retirement accounts today has three effects, one, you lose all the potential earnings on that money, and two, you can never "put it back", you can only make new contributions, and three, you will pay income tax on that money as well as an additional tax penalty for early withdrawal. It's just not worth doing.
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