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Reply to "Is it ever a good idea to use retirement money to pay off debt?"
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[quote=Anonymous]No. Instead, pay it down. First, stop using your credit cards. Cold turkey. You'll get used to it. Second, try to renegotiate your interest rate. Sometimes it only takes a phone call. Third, rank your credit debts by interest rate, highest to lowest. Pay monthly fees for all, but pay the maximum you can afford to pay off your highest rate debt first, then go down the line. Fourth, resolve never to do that again.[/quote]
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