Should I ask my family for financial help or should I cash in my 401k and/or IRA to pay for my medical. insur?

Should I ask my family to help me pay for my cobra medical insurance or should I cash in my IRA/401k to pay for these bills. I am only 48 years old with 2 kids and a disabled wife so I will be taxed heavily on the distribution and I only have about $20,000 total anyway. What should I do?

I would never, never, never, never, never cash in your 401k or IRA early. Here's why:

If you owed a trillion dollars, no creditor on earth can take your 401k or IRA money from you.

Seek assistance from your family.

Better yet. Call up Obama to see if he has any spare "change" to give you a glimmer of "hope"

You should never take out money from your retire fund unless it is a dire emergency. you should talk to your family first and see if they can help out. if they can't then take the money out of your 401k.

don't understand how much do you pay for insurance?
guess i would borrow.