After losing both her husband and father within two years, Ana turned to spending as a way to cope with overwhelming grief. Travel, shopping, and dining out became temporary comforts — but they also led to $41,000 in credit card debt.
Now 37, Ana has made major financial strides. She stopped unnecessary spending, purchased her first home, and is on track to pay off a 30-year mortgage in just 15. She earns $160,000 a year and has built up $419,000 in a Roth 401(k). She also holds an inherited IRA worth $82,000 — and she’s wondering if it's wise to tap that account to wipe out her lingering debt.
