 TITLE: Should I Withdraw Money from My 401(k) or IRA? CONTENT: What Are the Alternatives to a Retirement Withdrawal or Loan?\n-------------------------------------------------------------\nWhen it comes to borrowing money, you've likely got other options before you if your credit is in a good place. Before you resort to withdrawing or borrowing money from your 401(k) or IRA, investigate these alternatives:\n*   Tighten your budget and start to save.\n*   Withdraw from checking, savings or stock accounts.\n*   Use a health savings account, or HSA, to cover eligible medical expenses.\n*   Tap your emergency fund.\n*   Take out a personal loan, home equity loan or borrow from friends or family.\n*   Use a credit card with a 0% interest offer to pay off a purchase over time.\n*   Negotiate your payments or interest rates with creditors.\n*   Get a part-time job or side gig as a food delivery driver or grocery store stocker.\n*   Contact a qualified credit counselor.\nBankruptcy is another option. But you should exhaust all other alternatives before seriously considering bankruptcy. As long as a bankruptcy stays on your credit reports, it'll be harder to obtain credit. Furthermore, it could hurt your ability to rent an apartment, sign up for utilities or get a job.\nVisit with a credit counselor or financial adviser before diving into bankruptcy. END