Hi. My husband lost his job over a year ago. Despite solid work experience and a good resume, he's had no luck landing a job. He's burned though his IRA and 401k and had to pay ungodly penalties to withdrawal this money. In the meantime being a great husband and father, he elected to adopt my 3 children aged 13, 12 and 10 since their real dad has skipped town and offered nothing. Now, we are in pretty bad straits...on food stamps, paying off last year's tax bill, etc. It's really hard to make ends meet and provide the home he wants us to have. We started a small retail business to sell odds and ends but it's making us very little. Since we exhausted the last of our IRA in 2011 we owe again penalties on early withdrawal. It's killing us. Our tax bill coming up this April will be over $2000. We need help paying this. If anyone can point is in the right direction, we will not only appreciate it, we'll pay it forward once we again get back on our feet. Thank you.