I am in the process of rolling over my 401K ($265K) to Fidelity. I'll be taking a distribution from my Retirement fund in Jan. I plan on selling my home in four years ($400K equity to date). I owe 30K on my equity line of credit. $10K at 8.35% and $20K at 7.5% interest. Does it make sense to take $ from my retirement and pay off the loan now, or wait until I sell my house?