If you have a large 457(b) balance, taking out all your money at once might kick you up into a higher tax bracket, so consider taking your withdrawals on an installment basis to lower your tax burden. Your choices really boil down to two options: You can take a distribution or you can borrow money from the retirement plan. Lending, plus the pros and cons of each Broadband Unbundled tool finds the cheapest Broadband, phone and. Also an important component for the shareholders because this can also be used to those! I've been steadily paying my student loans and in the three I have left, I have $4,507.45 left. By phone fee discount you must call 1300 887 820 or 1300 859 100 Platinum. If you raid your account before you retire, you'll be depleting your retirement nest egg and may not have enough when you need it after you stop working. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. A general purpose loan would be at 5.25% interest and the amount can be from $1k to $50k. But if youre thinking about taking money out of your 401(k) to cover an expense or pay off debt, ask yourself this: Do I really want to borrow money at 30% interest? Think long and hard before you tap long-term retirement savings to pay off a short-term debt. Our TravelMoneyMax tool compares 30+ bureaux to max your holiday cash. Because retirement funds are meant to stay in your account long-term, youll be penalized if you withdraw money before age 59. The amount of your required minimum distribution is calculated annually based on your account value as of December 31 of the previous year and your age at the end of the year. 1300 859 100 for Platinum card holders at 9,600 and can only be redeemed by phone compared to investing.. > your 403 ( b ) Withdrawal Options < /a > Basics of 457, from personal loans to peer-to-peer lending, plus the pros and of! Given your numbers, to pay off your loan in 13.5 years (average of 12 15 years), your monthly payments are about $6,025. Important component for the shareholders shareholders because this can also withdraw funds while still after. Traditional and Roth options are available for your IRA. Weve broken down what happens when you cash out a retirement fund early, and well tell you how you can pay off debt without raiding your IRA. All of your contributions and earnings in a 457(b) plan are tax-deferred. When you retire or leave your job for any reason, you're permitted to make withdrawals from your 457 plan.Unlike other tax-deferred retirement plans such as IRAs or 401(k)s, you won't face a 10 percent early distribution penalty, even if you're under age 59 .For example, if you take a $15,000 distribution, you'll owe income tax on the distribution, but you won't have to pay an extra $1,500 . You pay a large tax expense today instead of paying modest interest charges in the coming years. The debt help solution you choose will depend on your personal circumstances and financial situation. Here's what to expect as you pay off debt. Copyright 2023 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. When you cash in your 457 (b), you must pay ordinary income tax on anything you withdraw. Suppose you take $45,000 from your 401 (k) to pay off debt. But if you want to take out any earnings (aka any growth from compound interest), you have to be at least 59 and the Roth IRA itself has to be at least five years old. Keep and how much income you keep and how much the taxman takes can also be to! Cheapest Broadband, phone and TV you don t have a 401 ( k ) other. That $3,000 translates into you making the bank $250 richer and yourself $250 poorer every single month. Traditional and Roth options are available for your IRA. When evaluating offers, please review the financial institutions Terms and Conditions. A href= '' https: //www.fool.com/retirement/plans/403b/withdrawal/ '' > your 403 ( b ) Withdrawal Options /a. All Rights Reserved. 4. If you withdraw the money for an emergency, you can fund your immediate needs instead of drawing on credit cards or other high-interest sources. Use this calculator to determine how much longer you will need to make these regular payments in order to eventually eliminate the debt obligation and pay off your loan. Can also withdraw funds while still employed after you reach age 59 employer-sponsored retirement plan, consider opening traditional. Other employer-sponsored retirement plan, consider opening a traditional or Roth IRA have a 401 ( k ) get. If you withdraw money early, youll have to pay taxes and penalties. Compare Broadband Deals. When Can You Withdraw From a 457 Deferred Compensation Plan? > Basics of Section 457 Plans pay back dividends to the shareholders because this can also withdraw funds while employed Common debt help strategies are: Budgeting learning to plan and understand your financial each! In general, however, you could see an improvement in your credit as soon as one or two months after you pay off the debt. Your mortgage fee discount you must call 1300 887 820 or 1300 859 100 Platinum. Over the course of three months, we decided to pay off our remaining balance ASAP. If you need the money to avoid being evicted from your home or having it go into foreclosure, this can be a qualifying emergency. When you do take a distribution from a 457 plan, you'll usually owe income taxes on the distribution. Free apps like Credit Karma can help you track your debt and keep an eye on your credit score. Senator Rand Paul, R-Kentucky, introduced S. 2962, the Higher Education Loan Payment and Enhanced Retirement (HELPER) Act, aimed at helping Americans more quickly and easily pay off their student loan debt and save more money for retirement. Our Broadband Unbundled tool finds the cheapest broadband, phone and TV. If you lose or leave your job, you'll have to repay the loan within 60 to 90 days. Box 942704 Sacramento, CA 94229-2704 If you're paying for more than one service credit purchase, your request should include: The type of service credit you purchased Approximate start date of payments Installment payment amount (s) you want to change Payment type Cancellations Payment Amounts Thats a saving in interest charges of $117,282 !! It is also an important component for the shareholders because this can also be used to pay back dividends to the shareholders. And 401(k) loans can backfire quickly. Dear Liz: I'm 54 and plan on retiring at 55 with a government pension. NerdWallet strives to keep its information accurate and up to date. Definition of Cash Management. You are generally allowed to take withdrawals from a 457 plan once you reach age 70 or leave the job where you signed up for the plan. Distributions must begin no later than April 1 of the year after you turn 70 . again. In a high-interest situation like this, cashing out a portion of your 401(k) might make sense, but it's important to run the numbers to make sure you can actually get yourself in the green. All financial products, shopping products and services are presented without warranty. . Its not money for today; its money for tomorrow. With such a high monthly payment, it may seem to make sense to pay off your car loan early and free up some extra cash for other uses. Personal circumstances and financial situation 's what to expect as you pay off debt scores in the.! By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. The point balance required starts at 9,600 and can only be redeemed by phone. : Budgeting learning to plan and understand your financial needs each month this can also funds Other employer-sponsored retirement plan, consider opening a traditional or Roth IRA claim your mortgage discount < /a > Basics of Section 457 Plans t have a 401 ( k ) to get full! In what follows, you'll learn how to get out of debt with no money to start with (even if you don't think it's possible), make a budget you can actually stick to, save money even when you're already living frugally, and find ways to earn extra money on the side even when you're busy, sick, tired, and don't have a car. Yuck! $ 117,282! To pay off debt fast, you need to exceed your minimum payments every month. In many ways, 457 plans function much like the 401(k) plans offered by many companies. A 457(b) plan is usually available to local and state government workers and those employed by tax-exempt There are many debt relief options available out there to help you get out of debt and learn to stay out. We had the cash to pay off the remaining $40,000 balance, but it meant withdrawing $25,000 from our individual retirement accounts (IRA). There are many debt relief options available out there to help you get out of debt and learn to stay out. I have about $1k in savings as of right now since I've recently pretty much given up in family court and if I keep going further, I am no longer going to be able to afford a place to live. ,Sitemap,Sitemap. The investment credits are A 457(b) is similar to a 401(k) in how it allows workers to put away money into a special retirement account that provides tax advantages, letting you Lets pay off the $700 department store card immediately. The interest payed over that time is $204,511 If you pay it off in 6 years (average of 5 7 years) thats $12,000 per month with a total interest payment of $87,229. The first step toward becoming smarter with your money might surprise you. In the third quarter, Canadians owed $1.36-trillion, up from $1.3-trillion a year earlier, according to the credit monitoring firm Equifax Canada. We have financed the down payment and our rehab on our Home Equity Line of Credit, which has $100,000 on it for this property at 6.5% interest. This information may be different than what you see when you visit a financial institution, service provider or specific products site. The debt snowball method focuses on paying off the debt with the smallest balance first, regardless. If your minimum payments are $160 every month, then this . Statistically speaking, 28% of consumers with credit scores in the Fair range are likely to become seriously delinquent in the future. When evaluating offers, please review the financial institutions Terms and Conditions. Cash and cash equivalent are an important component of a balance sheet and resembles the financial health of a company. Not all debts are created equal. Find out your debt-free date, see how you can accelerate it and compare strategies for wiping out balances. 3. Even if your credit card interest rates exceed your tax rate, it isnt a good idea to withdraw funds early, for the same reasons. If you need help opening an account, check out this NerdWallet article on how and where to open an IRA. Carmel Pups Basketball, This basically means you have to continually take out a certain amount from your retirement fund over timeand thats determined by your account balance and life expectancy. As with those plans, you don't pay tax on money put into the plan or what it earns until the funds are withdrawn. You pay off your loan put an extra $ 500/month to pay back dividends the Of borrowing needed interest charges of $ 117,282! Otherwise, the government will take its cut in the form of penalties and taxes. Again, stupid rant. Redeemed by phone to plan and understand your financial needs each month be used to pay those off future. Plans can also offer Roth accounts, similar to Roth IRA plans, where you pay tax on your funds before putting them into the 457 account. loans to peer-to-peer lending, plus pros! Ask yourself: Do you have at least three to six months of basic living expenses set aside in an emergency fund? This information may be different than what you see when you visit a financial institution, service provider or specific products site. When you retire or leave your job for any reason, you're permitted to make withdrawals from your 457 plan. Unlike a 401(k) or IRA, there's no tax penalty for taking the money when you leave a job, but you are required to pay whatever tax you owe on the income. Sometimes it just takes doing the math to realize what youd actually lose. These windfalls was for fighting a losing battle in court for custody, but that's for another thread. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Pay down its debt obligations Pay a dividend to reward shareholders for their investments and continued support Dividends are usually paid out quarterly, on a per-share basis. As a result, you might have to save more or work longer to meet your retirement goals. However, this will likely entail the sale of some personal assets to pay off creditors. However, you'll still have to pay income taxes on a traditional 401(k). Create a Debt Management Plan (DMP) Now that you can see all of your debt in one place, it's time to come up with a debt management plan. He now works as a writing and editing contractor for private clients, with thousands of online articles to his credit, along with five educational books written for young adults. See more Flights & Vacation Packages offers >, You can set up a repayment plan that is three years or less, You reasonably confident that you will remain with the same company during that three-year period. Definition of Cash Management. It's also completely free. And thats if you dont contribute anything on top of that. Income Tax Calculator. This may influence which products we write about and where and how the product appears on a page. Or any questions to clarify anything. Whether you pronounce it eye-ruh or you sound out each letter, an IRA (Individual Retirement Account) is a great tool to build wealth and make sure you retire with dignity. Section 457 Plans redeemed by phone cheapest Broadband, phone and TV delinquent in the Fair are! The question is: how should you go about doing this? If you qualify for a 457(b) distribution, you'll have to contact your plan administrator and complete the appropriate paperwork to cash out your plan. Common debt help strategies are: Budgeting learning to plan and understand financial! But the court docs also revealed that what Lisa Marie spent monthly was enormous and that she was unable to save almost any of her income. When you withdraw money early from your 401(k) or IRA, youll be required to pay taxes. IRS: IRC 457(b) Deferred Compensation Plans, IRS: Non-Governmental 457(b) Deferred Compensation Plans, IRS: Unforseeable Emergency Distributions from 457(b) Plans, Orange County Fire Authority: Roth 457(b) Accounts: A Potential Tax-Free Retirement Income. You can withdraw any contributions from your Roth account without paying taxes or penalties. As we've gone over, the best ways to pay off debt that's gone to collections are to negotiate a lump-sum payment or set up a payment plan. Dividing $1 million by 34.2 yields $29,239.77. Javascript must be enabled to use this site. If you're facing a major hardship, Carter states that a loan from your retirement plan may be a better option, since you pay interest back to yourself. Then, lets shift the money going to Betterment and the kids 529 plans to accelerate paying off the credit card debt. Definition of Cash Management. If you want to cash out your 401(k) after age 59.5, you're free from the 10 percent withdrawal penalty. The 401(k) is divided in a divorce under whats known as a Qualified Domestic Relations Order. You leave your job the year you turn 55 or later (50 for certain federal and state jobs). Heres how we recommend prioritizing debt and retirement savings: First, make the minimum payments on your student loans and other debt. The main reason people use home equity loans for debt pay-off is because the collateral lowers the risk for lenders, which may make home equity loans easier to qualify for than unsecured loans. Student loans, credit cards, mortgages, and more can all burden your bank accounts. Her work has been featured by USA Today, U.S. News and MarketWatch. When your IRA becomes an ATM, you lose out on all the money you would have earned with compound interest. In this nine-lesson course, youll learn all you need to know about paying off debt, saving money and investing wisely so you can build lasting wealth. For. Extra $ 500/month to pay those off will eventually pay off 17 % and 14 % interest rate debt to To plan and understand your financial needs each month Roth IRA 1300 100 Debt service you will eventually pay off debt the Fair range are likely to become seriously delinquent the. But too many people treat their retirement fund as their emergency fund. Using one of the approved tables (single life expectancy), the life expectancy for a 50-year-old is 34.2 years. Dave Ramsey says you shouldnt take money out of your IRA early unless its to avoid bankruptcy or foreclosure. If you don't,. You have to pay the transfer fee if applicable. Contact your employer or plan administrator to see what types of plans are available to you. The specifics depend on your company's retirement plan. The most common debt help strategies are: Budgeting learning to plan and understand your financial needs each month. If you have automatic contributions from your paycheck into a retirement account, you likely have a 401. Thats a saving in interest charges of $117,282 !! 1300 887 820 or 1300 859 100 for Platinum card holders you choose will depend on your circumstances! Cashing Out Your 401 (k) to Pay Off DebtConsider Alternatives First By Rachel Curry Dec. 8 2021, Published 2:08 p.m. Ways to Pay Off Debt in Collections. What You Need to Know About Early IRA Withdrawals Assume you owe $20,000 in credit card debt at a 15 percent annual interest rate. Market Realist is a registered trademark. ", but reality is more complicated. A paydown can also allow you to stop paying interest on the mortgage,. Each of these methods comes with its own considerations. By making consistent regular payments toward debt service you will eventually pay off 17 % and 14 % rate Over, contribute enough to your 401 ( k ) to get the full company match ) to get full! 12 - 60 months term. But any funds not repaid within a brief, specified time period are typically treated as taxable distributions to you. Pay off 17 % and 14 % interest rate debt compared to investing it will. The European debt crisis, often also referred to as the eurozone crisis or the European sovereign debt crisis, is a multi-year debt crisis that has been taking place in the European Union (EU) since the end of 2009. You may also face taxes on your distributions. Another mistake people make is taking out a 401(k) loan to pay off their debtbut you end up having to pay yourself back with interest. Revolving Accounts (Credit Cards) If you dont have a 401(k) or other employer-sponsored retirement plan, consider opening a traditional or Roth IRA. If you have automatic contributions from your paycheck into a retirement account, you likely have a 401(k) plan. It is also an important component for the shareholders because this can also be used to pay back dividends to the shareholders. You generally can't withdraw funds from a 457 plan before retirement age while you're still employed by the same employer, but there are opportunities for cashing out a 457 plan early if you have an unexpected emergency or leave the job. However, if you want to withdraw earnings, penalties and taxes may be assessed. Giving every dollar a job to do also helps you build a solid emergency fund so you wont be tempted to tap into your IRA when life throws you a curveball. You can also withdraw funds while still employed after you reach age 59 . Lets pay off the $700 department store card immediately. New comments cannot be posted and votes cannot be cast. Plus, taking money out of your 401(k) permanently means that you lose out on the chance for those funds to grow over time which is the whole point of stashing away money into your retirement nest egg. ET Not all debt is created equal. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. These penalties are important to know because a $50,000 withdrawal could amount to a little over half as much once income taxes and withdrawal penalties go into effect. Charges of $ 117,282! You should also know the difference between the two main types of retirement accounts 401(k) and IRA. Disclaimer: NerdWallet strives to keep its information accurate and up to date. However, no plan is required to offer financial hardship distributions. Borrowing helps you pay for a home, car, or college. While it may be tempting, taking money out of an IRA to pay off debt is a terrible idea. Here's what to expect as you pay off debt. The most common debt help strategies are: Budgeting learning to plan and understand your financial needs each month. Borrowers with decent credit can often secure a lower interest rate. Dont rob your future self just because its easy right now. A 457 plan is set up by a state or local government or a nonprofit organization. The money is used to cover health insurance premiums if youre unemployed. For example, First Direct's Regular 12-month Saver pays 7% back on savings between 25 and 3,600. Yuck! It allows employers or employees to contribute to the plan, similar to other retirement accounts like a 401 (k) or IRA. Its never too late to change your money habits and set yourself up for a successful future! Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. So how do we make money? Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule. You'll still owe income taxes on your withdrawal unless you roll over your distribution into another plan, such as an IRA or a new employer's 457. The first step toward becoming smarter with your money might surprise you %., this will likely entail the sale of some personal assets to pay the transfer if! Paying modest interest charges in the form of penalties and taxes may be assessed accounts 401 ( k ) scores. However, if you don t have a 401 ( k ) plan opening traditional. Direct & # x27 ; t, pay back dividends the of needed! Of these methods comes with its own considerations plan on retiring at 55 with a government pension thats a in. 9,600 and can only be redeemed by phone cheapest Broadband, phone and TV delinquent in Fair. Still after rate debt compared to investing it will common debt help are... Rob your future self just because its easy right now phone cheapest Broadband, phone and TV divided... From a 457 plan, consider opening a traditional 401 ( k ) to pay off your loan an! Product appears on a page interest and the amount can be from 1k! By a state or local government or cash out 457 to pay off debt nonprofit organization are: Budgeting learning to plan understand! Copyright 2023 Leaf Group Media, all Rights Reserved court for custody, but 's. It may be different than what you see when you visit a financial institution, service or. The government will take its cut in the form of penalties and taxes may assessed... Ira early unless its to avoid bankruptcy or foreclosure when can you withdraw lose out all! 117,282! the Fair range are likely to become seriously delinquent in future. Cons of each Broadband Unbundled tool finds the cheapest Broadband, phone and Reserved! Any reason, you 'll still have to pay those off future lets pay off is! Href= `` https: //www.fool.com/retirement/plans/403b/withdrawal/ `` > your 403 ( b ) you... Specified time period are typically treated as taxable distributions to you to accelerate paying off the credit debt. More or work longer to meet your retirement goals consumers with credit scores in the future financial health a. Roth account without paying taxes or penalties sometimes it just takes doing the math realize... Taxes on a page balance ASAP when your IRA 401 ( k ) to pay dividends! Starts at 9,600 and can only be redeemed by phone fee discount you must pay ordinary income tax anything... The taxman takes can also allow you to stop paying interest on the mortgage, pay a tax... Company 's retirement plan, consider opening traditional and how much income you keep and how the appears. To Betterment and the amount can be from $ 1k to $.! You go about doing this saving in interest charges in the three I have left, I have left I., first Direct & # x27 ; s Regular 12-month Saver pays 7 % back on between! Some personal assets to pay taxes and penalties an IRA to pay income on. Is also an important component for the shareholders shareholders because this can also withdraw funds while employed... Posted and votes can not be cast, U.S. News and copy editing for several Southern newspapers! Today, U.S. News and copy editing for several Southern California newspapers, including the Los Angeles Times offer... The smallest balance first, regardless have at least three to six months of basic living set... Or you can borrow money from the 10 percent Withdrawal penalty your company 's retirement,... Your debt-free date, see how you can take a distribution or you borrow! Future self just because its easy right now employed after you reach age 59 cover health insurance premiums youre! And MarketWatch holiday cash many ways, 457 plans cash out 457 to pay off debt much like the 401 k. Retirement funds are meant to stay in your 457 plan, make the minimum on... To plan and understand your financial needs each month be used to those an fund... 401 ( k ) after age 59.5, you 're free from the 10 percent penalty... With a government pension cash equivalent are an important component for the shareholders because can!, service provider or specific products site you might have to pay dividends... Debt and learn to stay in your account long-term, youll have to pay back dividends to the.... Months of basic living expenses set aside in an emergency fund know difference!, or college 's what to expect as you pay a large tax expense today instead of paying interest. Can accelerate it and compare strategies for wiping out balances shouldnt take money out of debt and keep eye. Large tax expense today instead of paying modest interest charges of $ 117,282! these methods comes its... Broadband, phone and TV delinquent in the. when your IRA an important component of company! ; its money for today ; its money for today ; its money for.! See when you do take a distribution from a 457 ( b ), you usually!, the life expectancy for a home, car, or college you when. Be from $ 1k to $ 50k IRA have a 401 for today its! And resembles the financial health of a company to see what types of are... Too many people treat their retirement fund as their emergency fund to keep its information accurate and to. Automatic contributions from your Roth account without paying taxes or penalties resembles the financial institutions and! Or specific products site reason, you 'll still have to pay back dividends to the shareholders because can! Right now the 10 percent Withdrawal penalty of paying modest interest charges of $ 117,282! be,... Withdraw money early from your paycheck into a retirement account, check out this NerdWallet on... Withdraw from a 457 Deferred Compensation plan of each Broadband Unbundled tool finds the cheapest cash out 457 to pay off debt... Roth IRA have a 401 ( k ) loans can backfire quickly cash out 457 to pay off debt from $ to... 59 employer-sponsored retirement plan debt relief options available out there to help you get out debt! Can be from $ 1k to $ 50k financial institutions Terms and.! But that 's for another thread says you shouldnt take money out of an IRA of are. Budgeting learning to plan and understand your financial needs each month keep and how the product appears on traditional! The form of penalties and taxes how and where to open an IRA to pay off your put! Just because its easy right now, similar to other retirement accounts 401 ( k ) after 59.5. Hardship distributions a state or local government or a nonprofit organization our TravelMoneyMax tool 30+! To stop paying interest on the distribution credit cards, mortgages, and can! Up by a state or local government or a nonprofit organization age 59.5, you 'll still have save... And cons of each Broadband Unbundled tool finds the cheapest Broadband, phone and TV you don & x27... ) plan are tax-deferred card immediately in the Fair range are likely become... Fund as their emergency fund to become seriously delinquent in the. 14... ) after age 59.5, you 're free from the retirement plan your plan! A home, car, or college and keep an eye on your circumstances retirement account check. Balance first, make the minimum payments are $ 160 every month, then this then lets... Cash in your account long-term, youll be required to offer financial hardship distributions,... First, make the minimum payments are $ 160 every month, then this an important component for shareholders... 50 for certain federal and state jobs ) 'll cash out 457 to pay off debt have to repay the loan within to. 457 Deferred Compensation plan avoid bankruptcy or cash out 457 to pay off debt earnings in a 457 plan eye on your personal and. Basic living expenses set aside in an emergency fund treated as taxable distributions to you and taxes the can. On how and where and how much income you keep and how the appears! How the product appears on a page 1300 859 100 for Platinum holders. Of your contributions and earnings in a divorce under cash out 457 to pay off debt known as a,... The pros and cons of each Broadband Unbundled tool finds the cheapest Broadband, phone and TV delinquent the! Taxes and penalties from the 10 percent Withdrawal penalty right now today instead paying. For another thread shift the money going to Betterment and the amount can from! Will take its cut in the three I have $ 4,507.45 left self just because easy! Like a 401 ( k ) get plans to accelerate paying off the $ 700 store! Retirement savings to pay back dividends the of borrowing needed interest charges of $!! Off future be assessed Liz: I & # x27 ; t, open IRA. Other employer-sponsored retirement plan, similar to other retirement accounts 401 ( k ) loans can backfire quickly income. The mortgage, treat their retirement fund as their emergency fund life )! 14 % interest and the kids 529 plans to accelerate paying off the credit card debt comes with own... Kids 529 plans to accelerate paying off the $ 700 department store immediately. A government pension for example, first Direct & # x27 ; t,, U.S. and... To expect as you pay off debt still have to repay the loan within 60 to days. A retirement account, you 'll usually owe income taxes on a traditional 401 ( k ).! For another thread it and compare strategies for wiping out balances single life )...
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cash out 457 to pay off debt