No. of Recommendations: 0
Given his situation where 1/2 the money is a zero interest balance transfer, I think we are back to the consensus of rolling over. Especially because as AJ says there is no guarrantee that he would actually invest the minimum payments into a Roth IRA.

Still the point being you should do almost anything to avoid getting into a situation where you have more than 10K worth of debts on credit cards. It is so expense to borrow money on credit cards that it may make sense in some usual situations to take money out of a 401K/IRA to pay it off.
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