Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Share | Related Content A Bucket Plan to Go with Your Bucket List A bucket plan can help you be better prepared for a comfortable retirement. What Is a Roth 401(k)? Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.