 and compound interest that would have worked for you over the next several decades. So robbing your 401k is not a place you want to go to pay off debt or to fund the IVF. What's your household income? Roughly around $130,000. Good. And you paid off $30,000 so far. What's the $40,000 remaining? Well, we have $12,000 in a car, which we tried to sell off, but it was only worth a little less than $500,000.