I think you have to realize that having a new job paying $15,000 less a year will reduce your monthly cash flow by aprox. $900 in after tax spending dollars. So you will have to also make some lifestyle adjustments
Robert, In addition to John's recommendation, I would get rid of your credit cards and start using a debit card. That will force you to spend only what you have in the bank. I would not consider owning a credit card until
In addition to what Kyle has suggested I would like to comment on the cashing out part of your question.
I believe Kyle is asking if you are at your current employer or not because if you are asking about a plan
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