How to Retire Early Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts. Share | Related Content Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Should You Borrow from Your 401(k)? Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase? Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.