<human>: Hello, PF!  

I am 27 and live in Pennsylvania.  I was employed for ~3 years in my early 20's and had a portion of my salary go into the state's retirement system (PSERS).  I was just informed that I should do something with this account since it's no longer gaining interest.  It's currently at $4200.  My two options are to roll it over into a retirement fund with my credit union (penalty free) or cash it out where it would suffer 20-30% tax penalties and I'd have ~$3000 cash.

I currently have ~$5,000 in credit card debt (from my transition to self-employment) at 19% interest.  I know, it's bad.  I'm paying about $110/m in interest as I get the balance down, but I can only afford about $200-300/month payments at this time.   I have gone about a year without adding to the debt, so I'm confident that once it's paid off it will stay that way.  I could then use the money to build up my savings and retirement funds.  My business has been open for 3 years and is doing well.  It's trending upwards and always doing better.  

I just started a savings account last month and it has $300 in it.  I am working on building an emergency fund.  I do not have any other savings. 

PF, I'm thinking of cashing out the retirement fund to help pay down the credit card debt.. is it a smart move or not?  The way I see it, my business is my retirement plan and this money could help me get through my debt a lot faster.  Am I nuts?

Could you distill the essence of the text into 1-3 sentences?
<bot>: I Discovered I had $4200 in an old retirement account.  Should I roll it over into another retirement account (no penalty) or cash it out (30% penalty) and pay my cc debt?