What would you do (personal financial help)?

First of all I would like to commend you for working so hard for your family, it is getting more and more rare these days. Next you need to write out a financial plan of what your living expenses will be year by year. Not clear on if you have payed off your home or not but maybe you can look into refinancing your loan. All the options you have are good and you basically want to knock out the lesser of each poison meaning what will save you the most money. Find out the interest rate on your credit cards, the average interest rate is ~15% so you are wasting almost 3k a year on credit card interest, you also need to find out what your withdrawal penalty will be for taking money out of your IRA, it also might be an option to get a home equity loan if the interest rate is low (probably will be much lower than the 14% you are paying on your credit cards. You could also look into whether or not you can sublease your car until the lease contract is up. The car loan interest line should be calculated to prioritize what needs to be paid off first. Hope this helps and good luck.