Agreed here as well about the 401k or IRA. I just hit the age of no penalty so I took 6k out to get the tree's trimmed. Didn't want to but Had to... hurricane season is upon us. What is amazing is that even doing that my balance is basically what it was on Jan.1.
I've seen credit cards mentioned. I am the only person I know or anyone I know knows that has never had one. Never had that bill or interest. My credit is excellent regardless.
We live decently, nothing outrageous going on as far as the usual bills and doing a refi saved $340 a month or so. Dropped directv and got sling... love it, that was $100 a month off for the same damn thing.
There are ways to cut costs as opposed to spending money that isn't actually yours... the credit card hell. A buddy of mine took out a ***** ton of money from his 401k last month, with penalty included, to pay off $20k in credit cards. That is ***** crazy.