Number one priority is ditching the credit card debt. The key here is rates. If your credit card debt is at a double-digit rate then chances are you'd pay more in interest on that then you'd be making on your 401K investments. So if the 401K contributions are keeping you from paying off the credit card I'd suggest shifting the 401K contributions towards paying down the credit card till thats gone. Then you can resume contributions to your 401K. Might as well let the IRA sit quietly since you dont have much to gain by withdrawing and paying a penalty.