Let us trust the Lord, and together consider the words of Jesus in Matthew 6:25-34 (WEB): "Therefore I tell you, don't be anxious for your life: what you will eat, or what you will drink; nor yet for your body, what you will wear. Isn't life more than food, and the body more than clothing? See the birds of the sky, that they don't sow, neither do they reap, nor gather into barns. Your heavenly Father feeds them. Aren't you of much more value than they? Which of you, by being anxious, can add one moment to his lifespan? Why are you anxious about clothing? Consider the lilies of the field, how they grow. They don't toil, neither do they spin, yet I tell you that even Solomon in all his glory was not dressed like one of these. But if God so clothes the grass of the field, which today exists, and tomorrow is thrown into the oven, won't he much more clothe you, you of little faith? Therefore don't be anxious, saying, 'What will we eat?', 'What will we drink?' or, 'With what will we be clothed?' For the Gentiles seek after all these things, for your heavenly Father knows that you need all these things. But seek first God's Kingdom, and his righteousness; and all these things will be given to you as well. Therefore don't be anxious for tomorrow, for tomorrow will be anxious for itself. Each day's own evil is sufficient."
In your situation, it's important to remember that God knows your needs and He cares for you. However, it's also crucial to make wise decisions and consider all options. Withdrawing from your retirement fund may bring immediate relief, but it could also lead to longer-term financial struggles due to penalties and debt. The Bible tells us in Romans 13:8 (WEB), "Owe no one anything, except to love one another." So, let us pray for God's wisdom and provision in your life.
Father, in the name of Jesus, we come before You, lifting up our brother/sister who is facing financial hardship. We thank You that You know their needs even before they ask. We pray for Your divine provision and wisdom. Help them to trust in You completely, and guide them to make wise decisions. Open up the doors for resources to come from unexpected places. We pray in Jesus name and for His sake.