I received a phone call yesterday from a former client.  Her life partner has been diagnosed with early onset dementia.  She (the partner) is drawing down a qualified retirement account to service her credit card debt.  Few things distress me more than to hear something like this!

Retirement funds should never be used to service credit card debt.  Perhaps, under controlled conditions, they might be used to *retire* such debt but never to *service* such debt.

If you find yourself in this situation, please phone us immediately.

Happy Summer!