I have an old 403(b) account from a previous job. I had kept it separate as I was trying some different investment strategies with that account. However, I think it’s time I break the bank and use this money to quickly get out of debt. The biggest reason for this change is I am not comfortable with the debt load I have given the current economic climate. It also helps the decision that my other account now has an equal amount in it, and I feel ok taking the penalty tax as this will greatly ease my current financial situation, and then allow me to up my current contributions. I know this decision is going to cost me lots of money down the road and I am aware of that. I also have to consider that I may never see that money down the road. I know it’s morbid to think that way, but it is true. That money would help our situation now more than the situation that may not be so dire down the road after we get out of debt; well, mostly after I get out of debt.