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As the housing market began to slide three years ago, my wife and that i began to sense that we were losing our options. As people lose the value they always believed they had in their homes, their options in their capability to qualify for loans begin to freeze up actually. The worst part for us was, we were in real estate business, and we had our incomes begin to seriously drop. We never imagined we'd have collection agencies calling, but call, they did. Your market end, we had to pick one of two options - we could apply for bankruptcy, or we to find an easier way to ditch all the retirement income planning we have ever done, and tap our retirement funds in some planned way. As you might guess, the latter is what we picked.
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