One of those r/personalfinance posts that doesn't make any sense

Hi PF,

I live in WA. I have a problem with money, and I'm very sick.

March 22nd, $0 CC debt, $25k savings, $100k 401k, $125k mortgage. Prescription change

April 30th, $90,000 CC debt, $15k savings, 90k 401k, $124k mortgage.

August 30th, $100,000 CC debt, $15k stock, 90k 401k, $120k mortgage. Diagnosed with toxicity, placed on FMLA, STD.

Today, failed I failed my neuro exam. My neurologist took over my STD, and is blue booking me for LTD. Most cases are chronic.

My wife has no assets and makes 40k a year. We have two children, under 3.

Does it make sense for me to cash in my 401k and stock to pay of my CC debt? Would bankruptcy even apply?

Sorry if this isn't coherent. Lots of fog.

EDIT - SORRY I COMPLETELY FORGOT TO MENTION SOMETHING CRITICAL! WE ARE RECEIVING AN INSURANCE PAYMENT of $60K. They are litigating for more (deductible and 20k moving cost).

OP appears to be legitimately brain damaged so keeps editing posts. $90k in one month is some hard work. OP posts a breakdown:

We relocated and our moving truck was destroyed. 30k furniture and appliances.

10k medical

10k take-out

20k into 529s

15k lab equipment

661 Amazon orders.

8k house fence

Edit, I could sell my electric bike, but I may lose my license.

Lab equipment is supposedly computer network equipment and it:

Lab equipment provides the equivalent of $500 a month.

Take-out:

The takeout was due to me being hospitalized. Yo, it's tough to cook when you can't use your hands.

Hospitalized from what?

No, someone tried to kill me while kidnapping my children. A protective order was issued.

Cerebral wrote me Lexapro for anxiety, then wrote Lexapro for depression. This doubled my dosage, and happened right after Cerebral sent out emails that they are no longer able to prescribe.

edit - I would doxx myself If I provide the court info.

So he got brainfried by an anti-depressant?

The furniture is them spending $30k more to replace the moving damage. This is where the $60k is coming from.

This is a great question. They'd covered items in the truck.

There was around $250k-$275k damage.

Trying to order any furniture during November-February of 2021-2022 was nearly impossible to order furniture, so we were unable to get exact matches on a lot of our items.

Example - Dining room chairs, backordered 9 months. Purchased folding chairs to get buy, then purchased the actual chairs for the insurance recovery.

Sorry that I'm crap with details. Memory is still returning.