You are almost certainly going to retire. Most people live long enough to have health issues that require them to reduce their income due to needing to work less or change jobs. In addition, age discrimination is real, finding and keeping a job as you get older may become more difficult. You can choose to take this money out now and have nothing for when that happens, or you can leave it in to grow and at least have something. In most cases, something is better than nothing.

Figure out a way to solve your debt issue with your current income, and start looking at ways to earn more, that's the solution to both problems.