In Dire Straits Do I Raid the 401K?

Okay guys, this is a help-a-reader request.  As always, when we do this, please be gentle.  This is a real person with a real problem.  They would like your help and input into their situation.  Names are changed to protect the debt-laden but the e-mail and story is very real.  Please do not comment if you can not give constructive advice.  Let’s hear “Amy’s” story. Here goes.

 I came across your financial blog while Googling something weird (don’t ask) and I’m fortunate I did because I need a normal, financially savvy person’s suggestion on what I might do about my 401K.