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No. of Recommendations: 3
I can understand a change in circumstances (goodness knows!), but it's all the more reason NOT to touch retirement funds.

Is your spouse on board with what you're doing?

Will a ledger make sense to your spouse or would something like YNAB work for you? (Discloser: I'm a YNAB junkie! It's helped a LOT even when my income was very low - and it's still not all that high).

Is there anywhere you can cut expenses? Anywhere you can bring in a little more by freelancing/tutoring/babysitting/selling crap you don't need anymore?

I would do all of those consistently for a year before thinking about pulling money out of retirement.

Ishtar
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