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 Tuning Your Social Security Benefit When should you take your Social Security benefit? What Is a Roth 401(k)? Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA. Investment Strategies for Retirement Investment tools and strategies that can enable you to pursue your retirement goals.