Albert doesn’t say *never* file bankruptcy –

he says never file it until you’ve exhausted all your other options and never file based on what *might* happen. But if they’re about to send the trucks to get your furniture, it may be time.

So sorry to hear about the medical stuff and hope everyone’s health is recovered.

Breaking out a 401k is always a *terrible* idea. Between taxes and penalties you’ll lose something like 40% of your money right off the top, PLUS you lose everything that’s accumulating towards retirement. And retirement may seem far away but you don’t want to be working as a Wal-mart greeter at 80, so you need that money to stay there.

You’re better off *not* putting away 15% towards retirement than you are taking money out and moving *backwards*.