My friend 68 yr old lost his job in Covid. He was hoping to get back into the job force but hasn’t happened and he’s given up. He’s now getting SS and a private pension. His income isn’t enough to pay off the credit card debt and expenses and interest rates are on the rise. He has about $750k in a Trad Ira, a nice house with a low interest rate mortgage and only owes about $100k on it. In 2 years he can sell an investment property he has and get about $300k from the sale after taxes. Should he transfer to a 0% interest rate for 2 years? Or just withdraw from his trad Ira now? He does not want to take a heloc.