So I’m looking at using up my retirement to pay down debt in a big way, anyone have any advice, I realize there are tax implications as I’m only 30 years old but I think this could really help get me back on track financially.

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I would highly advise against this, unless the debt has criminally high interest rates or you are facing imminent homelessness. Even then, debt consolidation is likely to be a better avenue than taking a huge hit on your retirement funds.

Retirement vehicles such as e.g. a 401k benefit enormously from compound interest, so taking funds out early will do huge damage in the long run.

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Okay here is my suggestion as I did this to pay down my student loans, which were insanely high with insane interest. Instead of entirely withdrawing from your 401k which would cause a taxable event, take a loan from the 401k. Use that money to pay off your debt. That will eliminate the debt and prevent any taxes from hitting you. Then as you repay your 401k loan, you'll actually repay the interest back to yourself. It's a great way to utilize your 401k to burn down debt without exposing yourself to a tax penalty, and you get to earn the interest 😉

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Yes this is true

I have suggestions. How much is the 401k and how much debt?

Roth 401k is at about 44,000 and debt is around 30,000

For Roth IRA just don’t withdraw more than you contribute is sufficient

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