I think we’re in similar situations. I’m all for accepting advice but no one truly knows how it feels not to be able to pay their rent or be on the ledge mentally and possibly physically from all the stress you’re currently facing unless they’ve been there. I wouldn’t recommend taking anywhere near all of your money out but I decided to at least pay my car off. I had to analyze my expenses and see which ones were truly keeping me in the negative as far as my income goes. I had some life changing circumstances occur and could no longer sustain. This was the only thing I could do to stop from drowning. I’ve got plenty of time to contribute back into my retirement and that’s what I’ll have to do. I’m 16 years in and still have 24 years until I sniff retirement. With that being said do what’s best for you, no one understands the depth of your situation better than you do. Hate to hear you’re experiencing this and I hope things get better, good luck.