<human>: A quick background:

I'm 26, married (wife 23), sophomore in college (wife graduates this semester), currently living off of savings and small income ($450 mo) from wife's part time job.

Finances:

I have enough in savings to last till January (already budgeted in YNAB/Does not include any money I make when I can). My school schedule limits my ability to work this semester, but I squeeze in a shift when I can (have worked three since Aug). All money I make goes to paying down CC debts (above the budgeted $100 mo ($50 per card) that is budgeted).

Debts:

My CC= $1,106.28

Wife CC= $350.39

I have a 401k with Vanguard through my old employer (FedEx). I currently have $7,500 (rounded down to the nearest 100th) in the account. I left this job just over a year ago now. I am not allowed to deposit in this account though it still acquires interest. I do not have any other form of retirement savings (Roth/IRA/401k) nor does my wife (she has been is school since the end of high school).

Neither of us have any other debts (auto/home/school loans/private loans) other than the CC listed above. My wife already has a job lined up with the school lab (a food sciences lab at our uni) that she works at for when she graduates. This job includes benefits (insurance/retirement) and a much higher pay than the minimum she currently gets. We cannot afford to put any money into a retirement account until she gets graduate pay in Jan (As stated above, all of our money is accounted for through budgeting). 

With the troubles looming in D.C. what should I do with the 401k? I'm sure money markets are a safer bet (though much lower interest rates) but I honestly do not know what to do with it at this time.

Thank you and sorry for the long post.

Give me a shortened version of the text
<bot>: I have $7,500 in a 401k that I can no longer deposit into (no longer work for company) and do not have excess income to put into any other form of Roth/IRA till at least January.