And this is perhaps the worst half: Before I misplaced my job, I had about $25,000 in my employer-matched 401k. At a very dangerous second when my checking account was wanting scary low, I withdrew about $15,000 of that. I opted to routinely deduct federal taxes, however I’ll must pay state taxes on the sum come tax season. The whole scenario has made me each anxious and embarrassed. I suppose my query is, how can I get heading in the right direction and cease (or at the very least sluggish) my descent into monetary break? Is it doable to take action whereas nonetheless holding on to a few of these creature comforts like shopping for new garments and eating out with pals, or do I’ve to say goodbye to all that?