Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents 18 Years’ Worth of Days The average retirement lasts for 18 years, with many lasting even longer. Will you fill your post-retirement days with purpose? Starting a Roth IRA for a Teen This early financial decision could prove helpful over time. A Look at Systematic Withdrawals This calculator may help you estimate how long funds may last given regular withdrawals.