No. of Recommendations: 1
Most people on Motley Fool will state to NEVER touch your retirement money. Since I'm not in your shoes, I will say the same.

Now, putting myself in your shoes, I would sleep better if I were completely out of debt. This makes a large assumption that you will diligently apply new money to retirement savings (max the 403b and your 401k if available). It also assumes that you learned the error of your ways and will not run-up the credit cards again. Remember, the $4,000 will turn into approx. $2,700 once they charge taxes and early withdrawal fees. It still might be best to roll the money into an IRA.

Good luck.
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