Breakdown below (numbers rounded) 31 M USA single no kids- Mom passed in Feb. I was renting an apartment, lease was up soon after, moved back to house with dad (retired). House being left to me when my dad passes if we don’t sell before whenever he dies. Been in the red for a while, got worse when mom got sick. i want to pay off debt and get on track/form better habits so i can afford to keep the house if i want to down the road. i still have to go over the house expenses etc but priority is get out my debt first. Knock on wood, job is in a good spot, hourly union, pay has doubled in just under 5 years (est. 95k/year). Always got company match on 401k since day 1. Credit score has always been good-very good, working full time, pay all bills on time, more than minimum for most part. Also have been rear ended twice in 10 months so considering trading car in for something cheaper (and better luck lol). My thought process was use a 401k loan to knock out the CC debt and slowly pay dad/joint account back after with proper budgeting. But also considering stocks + bonds + smaller 401k loan to knock it out, but wary of taxes and bonds not fully matured yet. 401k currently at $122,000 Debt: 3 credit cards totaling ~$34,000 $27,000 truck ($551/month, dad pays insurance) $13,000 dad/mom/me account (no interest, no time limit) Liquid available: Checking $1500 Simple Savings $445 HYSA $1000 Also: -15 shares amazon totaling around $3000 -Savings bonds totaling $5000ish but none fully mature until 2031