How much time do you have before you have to draw, I think,it's at 69.5 years old. Literally just received our statement from Edward Jones. .down 15k, we don't need the money my wife's 60 so well let it ride, we shifted the account over to her name, as I'm older, and don't want to be forced into having to take the money via rules and regs.

Sooooo much Intel goes into your specific needs, if you want to pay cc debt, I'd say it's a viable option, using your money's better. Compound interest is never good, to be stuck with.

Comes down to risk tolerance. The worst thing to do is panic, their are other options each plan is different regarding the rules, my fist plan allowed me to draw all my money if I was injured. I got trashed at work, so could access my money without penalty. Taxes don't change. We did use it, rather then borrow from institutions.

Good luck, the fact that your saving is awesome. The disipline involved is important.

DW