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Joined 1 year ago
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Cake day: July 12th, 2023

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  • I would guess 401k withdrawal is a bad call; they carry pretty significant penalties for early withdrawal, but I wouldn’t fully rule it out either if I was in your scenario.

    I can’t really make suggestions about loans and I’d warn you against them if possible because you’re unlikely to get much besides a loan shark. Regardless, I have some other suggestions.

    1. While you’re searching for a job in your field, also be applying at literally any place you can find - fast food, retail, anything to get some money coming in. You don’t have to mention it during other interviews, but it could be key in keeping yourself out of crippling long-term debt. When you get an interview for a better opportunity, you can call in sick or arrange to switch shifts. 1b. Talk to friends and family to see if they or anyone they know has an opportunity. It could be helping with yard or house work, odd jobs, or a position where you can get some stability.
    2. Cancel all subscription services, including pausing those servers. If you don’t have enough money for rent or food, then you don’t have enough money for those luxuries.
    3. Contact your loan provider about getting a deferment due to your situation.
    4. Consider getting roommates, even if that means moving.