u/iworkinITandlikeEDM

Took a 35k loan to consolidate cc debt. In jan 2026.

9.26 apr

$3,506.21 of $35,000.00 paid toward principal

I have no assets to sell.

Monthly payment is $1117.28

Im 30 if it matters. So ill be paying into my 401k for like 25 more years at least i assume.

I have 42k in a 401k and i have 24k in a 401k from a former employer i havent rolled over yet.

I googled it and i just see too many yes and no answers. Seems like individual situation influences the answer so im asking for my own situation.

Should i take a loan against my 401k to pay off the personal loan? I can max out my 401k contributions if i dont have that 1k monthly payment.

Upstart says i have 32 payments left until paid off.

I got a state gov job almost 4 years ago. To get my max pension payout I need 30 years of service. Im turning 31 this year. I make 85k right now. I dont have 403b through the gov job they're just taking 12% from every check as a mandatory "pay into the pension" payment.

Pension doesnt offer cost of living adjustments when retired which makes me weary of commiting to the 30 years.

I also have a hsa with my gov job. Its new so it only has 2k in it.

I have a 2nd job that has a 401k with company match. it has 42k in it right now. I make 68k/yr there.

I had a former job which had a separate 401k. That has 23k in it. I dont pay into it anymore since i no longer work there. Should I roll that into a roth ira? Roll it into my current 401k? Leave it where it is?

Should adc be split pushing and baron be in team fights, or baron split push and adc in team fights?

Wife thinks adc should split. I think baron should split.

All i ever did on league was split with teemo or trynd top but maybe wild rift meta is different and i dont understand.