re: I need some advice from the financial gurus

Cash out 25k from retirement and pay off all of the 20% credit card. That’s almost 600 a month in payments alone.

See if you can sell car to somewhere like Carmax. They’ll pay off your balance from the sale and give you the rest.

Take the extra monthly revenue from no car or 20% interest CC payment and balance your budget where no further debt is necessary, then whatever is left put towards paying down 0% interest CC. When 0% runs out, get another 0% CC from a different company and transfer balance and continue to pay down. Should pay it off in 4 years if you can do 500 a month at 0%. That gives you 9 years until retirement, at that point put back any extra monthly income from your paid off debts back into retirement until you get your 25k back.