Have some short term debt to pay down. My pension provides enough day to day income but the debt of 830 a month for 20 more months may make things a bit tough. I have the cash to pay this debt but it is free money at 0%. I was thinking of withdrawing this amount monthly from 457 account. These withdrawals would fall just under 4% a year with 15% held back for taxes. Afterwards I could continue to enjoy the extra money by spending some and saving some. Or should I stop making withdrawals to let my 457 to continue to grow tax deferred?