u/esquandolas420

I know thiago and possibly sangare are two top guys. who else should i keep my eye on?

Archipelago - Caribbeans, South Africa

Continental - Argentina, Central Europe (i.e., Germany), Central Asia, China, India

Garden - United Kingdom, Ireland, New Zealand

Icy Snow - Greenland, Northern Canada, Northern Europe (i.e., Norway)

Marine - Chile, Greece, Eastern Europe (i.e,
Hungary), Spain

Meadow - Central Europe (i.e., France)

Monsoon - Southeast Asia
Ocean - Hawaii, Galapagos Islands, Madagascar

Sandstorm - Middle East

Sun - Mexico, Madagascar

Tundra - Iceland, Southern Norway, Sweden, Northern Japan

Hello, 30m looking for some guidance on next course of action. Past me fucked myself but present me has been taking a lot of steps to resolve the issue. I have not used the cards in about 2 months but the monthly payments are getting to me. Eliminating 1 monthly payment would be amazing, so I am leaning towards withdrawing enough to pay off credit card 1. This would also allow me to take less out of the roth than the full available amount. Reason i am posting is because the interest, balance, and payment on credit card 2 is higher and I am not sure if getting that down to about 5k and still having two monthly payments would be the better option? Withdrawing from the Roth sucks but at this point I think it needs to be done to make some good progress on this bullshit. I only have about $300 a month of available spending after I pay bills and save for groceries/rent and I would like some more wiggle room so I do not spend with the cards again. Appreciate any advice.

roth ira total - $16.5k

can withdraw from roth - $10,550

credit card 1 - $7,578.95 - 20.94% - monthly payment $201

credit card 2 - $14,794.53 - 22.49% - monthly payment $423

edit - monthly budget breakdown

Roth	Housing Related	Groceries/Pet supplies	Phone, Internet, Insurance	Student Loans	Credit Cards	Subscriptions	Total	Income
100	2114	743.5	427.4	123.22	624	287.11	4319.23	4755.02

How did the offense and Nico look? Did the team and vibe feel better? Are we winners yet?