sparrowhawk43: "I must be missing something fundemental here. My IRA is ~$14k. My debt is ~$9k. As I stated earlier, "My theory is that I can put the funds back into my IRA with the money that I was using to pay the Min. on the CCs." This means that I will have ~$30 in my IRA in ~10 years."No mention of federal tax bracket, or state income tax, so SWAG 25% federal rate, 10% penalty and no state income tax.65% of 14k is $9,100 --- just enough to pay the credit cards, lose 35%, or $4900 to current taxes and penalty.14k at returning 8%/year would be worth roughly 28k in 9 years and just over 30k in 10 years.You would need to be disciplined about no re-incurring CC debt (but it sounds like you are if all this current debt came from a divorce) and disciplined about investing the former CC minimums in an IRA, which I have less sense of. "I cannot not get another creditor to give me a 'loan' for more than $3k."Ok. How is the debt divided between the 34% card and the 14% card? 3k may not be enough to cover the 35% card, and three loans would create worse cash flow problems. Just asking.Without addressing the income side, I currently have no other ideas about this issue.Hope this helps. Regards, JAFO
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