I need $10,000 to complete a kitchen model. My options, besides a bank loan of some kind, would be to withdraw contributions from a Roth IRA, or take a plan loan from my 403b, with a 5 year repayment schedule (that could be accelerated if I choose to make extra payments). (An HELOC is off the table, even though I would get a discount on the interest from the itemized deduction, because I want to avoid the hassle, paperwork, various fees, and don't want a loan on my credit report.)
I know what I think I should do, but I am curious for other opinions.
