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 The Power of Tax-Deferred Growth Why are 401(k) plans, annuities, and IRAs so popular? Certain Uncertainties in Retirement The uncertainties we face in retirement can erode our sense of confidence. Roth 401(k) vs. Traditional 401(k) This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).