Cash out your 401k at the first of the year
Pay off your debt by time the tax is due you will pay 1/2 as much.!
I pulled all the equity out of my house and borrowed sub 5% for 30 yrs fixed.
I plan on paying it back with Baraqqi minibucks.
If you want to pay off debt, wait till the gold rises in value, then you could take 1/2 of the Gold IRA, pay off the same amount of debt, and sill have a nest egg left. Taxes and penalty will be less expensive in real dollars too. If you are 59 1/2 no penalty applies.